ApplyOnline® Changes

Based on your feedback, we’ve made changes to how we capture interest expense for negative gearing in the Serviceability calculator, particularly how calculation of interest expense benefits were treated and calculated.

We’re pleased to advise these discrepancies will be resolved between 25 - 27 March 2024.

What has changed:

Validation Error Removal

There will be no validation error in the Security, Financials & Loan Details tabs when the primary purpose is set to “Owner Occupied” and “Yes” is selected.

New Ownership Field

A new “Ownership” field will be introduced in the Financial Position & Loan Details tabs. Its function will be similar to the existing “Ownership” field in the Security tab for mortgages, allowing for differentiation between loan ownership and asset ownership.

Rental Income in Security Tab

The Security Tab will now allow capturing rental income even when the property’s primary purpose is “Owner Occupied.

Benefits for you and your customers? 

This means the following can now be captured and calculated correctly in ApplyOnline®:

  • Interest tax deduction for investment loan applications using owner occupy security
  • Capturing ownership of home loans for negative gearing purposes, and
  • Recording rental income for owner occupied properties (e.g. granny flats)


We use the NextGen.Net® ApplyOnline® electronic lodgement solution for online mortgage application submission. This provides upfront serviceability and applications for new loans and increases with:

  • clarity of requirements with data validation driven by AMP Bank rules/policy
  • an integrated serviceability calculator with data transfer to application
  • dynamic application and supporting document checklists (tailored to loan profile)
  • supporting document uploads and online submissions

Refer to the User guides and video tutorials for assistance with how to use the AMP Bank ApplyOnline® system.

Log into ApplyOnline®



User guides

Copies of user guides are also available (in the Forms & Documents tab under User guides) in the ApplyOnine® tool.

I would like to know:

How to structure and submit a Company or Trust application User Guide - Company or Trust application
How to structure and submit a Variation application User Guide - Variation application
Making mandatory self-verification easy for you

Making Mandatory Self Verification Easy Guide

Making Mandatory Self Verification Easy FAQs

What is electronic signing eSignature FAQs
How to capture offset requirements in ApplyOnline® Video tutorial
How to use eSignature with ApplyOnline®

eSignature - Originator ApplyOnline® user guide

eSignature - ApplyOnline® user guide

eSignature - Applyonline® FAQs


Download our User Guide for viewing AMP Bank loan documents - docuPREP

Video tutorials

Supporting documents

How to upload and attach documents

How to self-verify

How to submit additional docs

How to redact & highlight a document

How to respond to missing information requests (MIRs)

ApplyOnline® - The approval checklist


Access Seeker Credit Report

ApplyOnline® Financial Passport - Access seeker credit report

NextGen ID 

NextGen ID for loan originators

NextGen ID for lenders

Application Centre Loan Processing and Workflow

Application Centre UI Update

Document verification

Concept and navigation

How to check documents (including extracting and renaming)

How to raise MIRs and risk accept

How to manage exception requests

How to create a condition

How to notify originator and policy approve

How to use folders

Contact your Business Development Manager

For any questions you have on AMP’s products and policies, the BDM assigned to your company is keen to take your call. If you’re unsure who your BDM is, head to our Contact us page.

Important information

All information on this website is subject to change without notice. It's important your customers consider their particular circumstances and read the relevant Product Disclosure Statement and Target Market Determination or Terms and Conditions before deciding what's right for them.

A target market determination for these products is available at

This information hasn't taken their circumstances into account. The credit provider and product issuer is AMP Bank Limited ABN 15 081 596 009, AFSL No 234517, Australian credit licence 234517.