Get on top of your home loan with AMP Bank

Affinity Package Home Loan

As an Affinity member we can help you get on top of your home loan with our Affinity Package variable rates from as low as 3.69% pa1 (3.74% pa comparison2) for owner occupied, Principal and Interest loans from $750,000. Check out the full range of rates available on owner occupied and investment property loans.

Plus, you won’t be charged an Annual Package Fee, Establishment Fee or Settlement Fee on loans worth 90% or less of the property value.  That’s a saving of over $1,000. It doesn’t take long to work out how those savings can translate to extra spending money for your property in the years to come.

Home Loan fee waivers

  • No Establishement Fee2 for loans with a loan to value ratio of less than or equal to 90%.
  • No Annual Package Fee.
  • No Monthly Account Managment Fee.

Home Loan extras

  • Access to your Variable Rate Loan additional repayments via ATM's, internet, mobile app and phone banking.
  • Make additional lump sum repayments of up to $10,000 per year on Fixed Rate Loans without penalty.
  • A Master Limit3 feature is available, and can provide flexibility to borrowers to restructure their debts between deductible and non-deductible debt without the need for a full application, for up to 10 years.

Have an AMP Bank home loan specialist contact you.

Enquire now

or speak to an AMP Bank home loan specialist by calling

1300 360 525

8.30am to 5.00pm
Monday to Friday

The Affinity Package is a special offer only available to eligible AMP Bank Affinity partners.

Owner Occupied

Effective 22 August 2018

Loan type Principal and Interest Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan(iii)              
       
$100,000 to $249,999 4.57% pa 4.62% pa 4.97% pa 4.78% pa
$250,000 to $499,999 4.07% pa 4.12% pa 5.05% pa 4.51% pa
$500,000 to $749,999 3.74% pa 3.79% pa 5.05% pa 4.30% pa
$750,000 and above 3.69% pa 3.74% pa 4.61% pa 4.10% pa
Reference Rate(iv) Standard Reference Rate Standard Reference Rate
Interest Only
Line of Credit(iii)
       
$100,000 to $249,999 Not applicable Not applicable 5.17% pa Not applicable
$250,000 to $499,999 Not applicable Not applicable 5.25% pa Not applicable
$500,000 to $749,999 Not applicable Not applicable 5.25% pa Not applicable
$750,000 and above Not applicable Not applicable 4.81% pa Not applicable
Reference Rate(iv) Line Of Credit Reference Rate Line Of Credit Reference Rate
Interest Only

Effective 22 June 2018

Loan type Principal and Interest Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rates  $100,000 and above
       
1 Year Fixed Rate 4.25% pa 4.59% pa 4.55% pa 4.62% pa
2 Year Fixed Rate 4.33% pa 4.58% pa 4.63% pa 4.63% pa
3 Year Fixed Rate 3.79% pa 4.41% pa 4.79% pa 4.67% pa
5 Year Fixed Rate 4.93% pa 4.77% pa 5.23% pa 4.88% pa

Investment

Effective 22 August 2018

Loan type Principal and Interest Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan(iii) 
(LVR <80% including LMI)   
       
$100,000 to $249,999 5.24% pa 5.29% pa 4.99% pa 5.18% pa
$250,000 to $499,999 4.31% pa 4.36% pa 4.85% pa 4.57% pa
$500,000 to $749,999 4.19% pa 4.24% pa 4.85% pa 4.50% pa
$750,000 and above 4.04% pa 4.09% pa 4.66% pa 4.33% pa
Reference Rate(iv) Standard Reference Rate
Investment
Standard Reference Rate
Interest Only Investment
Line of Credit(iii) 
(LVR <80% including LMI)   
       
$100,000 to $249,999 Not applicable Not applicable 5.19% pa Not applicable
$250,000 to $499,999 Not applicable Not applicable 5.05% pa Not applicable
$500,000 to $749,999 Not applicable Not applicable 5.05% pa Not applicable
$750,000 and above Not applicable Not applicable 4.86% pa Not applicable
Reference Rate(iv) Line Of Credit Reference Rate
Investment
Line of Credit Reference Rate
Interest Only Investment

Effective 30 March 2018

Loan type Principal and Interest Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rates  $100,000 and above 
(LVR <80% including LMI)   
       
1 Year Fixed Rate 4.64% pa 5.23% pa 4.84% pa 5.25% pa
2 Year Fixed Rate 4.57% pa 5.16% pa 4.77% pa 5.20% pa
3 Year Fixed Rate 4.87% pa 5.19% pa 4.49% pa 5.09% pa
5 Year Fixed Rate 5.18% pa 5.26% pa 5.38% pa 5.34% pa

Affinity Package Lines of Credit credit balances

Effective 16 February 2017

Loan type Principal and Interest Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Lines of Credit (credit balances)        
From $0 to less than $20,000 0.00% pa n/a 0.00% pa n/a
From $20,000 and over 0.25% pa n/a 0.25% pa n/a

Cheque book available on Lines of Credit only. Credit interest applies to all Lines of Credit.

Total borrowings must be > $100,000. Introductory rate loans not available in conjunction with the Affinity Package.

The Establishment Fee of $350 is waived for loans less than or equal to 90% LVR. The Settlement Fee is $350. Other fees and charges apply and will be set out in your loan agreement.

(i) Rates are subject to change
(ii) Comparison Rate calculated on a loan amount of $150,000 over a 25-year term. WARNING: This comparison rate is true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
(iii) Rates are for new loans only.
(iv) View a full list of Reference rates and their values.

3.89% pa 3.93% pa
4.47% pa 4.51% pa
5.19% pa

   

Understanding home loans

Whether you’re new to the property market or you already own a home or investment property, you’ll find tips and tools here to make better choices on your home or property purchase.   

Have an AMP Bank home loan specialist contact you.

Enquire now

1 Interest Rates for new loans greater than $100,000 and are subject to change by AMP Bank at any time and without notice.

2 Establishment Fee will apply for loans with a loan to value ratio greater than 90%.

3 A Master Limit set up fee of $295 applies.

Interest rates and fee waivers are only available on the Affinity Package Home Loan to current members on new home loan applications. The benefits are not available when switching from an existing AMP Bank loan. Fees and charges are payable. Terms and Conditions available on request. Approval is subject to AMP Bank guidelines. 

The Borrowing Capacity calculator is provided by Infochoice.
The results shown in this calculator are estimates only and are not guaranteed by AMP Bank. They are based on the accuracy of the data entered into the calculator. Results do not represent either quotes or pre-qualifications for a loan. It is advised that you consult your financial adviser before taking out a loan.
Other than as required by consumer protection law, under no circumstances will AMP Bank and its related bodies corporate be liable for any loss and/or damage caused by a user's reliance on information obtained by using this calculator.
AMP Bank and its related bodies corporate specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential or special loss and/or damages arising out of or in any way connected with the access to or use of this calculator.
Any change to the factors used in the calculation would vary the results.
The calculator and the results provided are generic and do not take into account your personal circumstances. The calculator is a guide only and is not intended to be relied upon for the purposes of making a decision in relation to a credit or financial product. The user should obtain professional financial advice before making any financial decision.
Any advice given is general advice only and has been prepared without taking account of your objectives, financial situation or needs. Given this, before acting on the advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs before acting on it. Consider the applicable Terms and Conditions before deciding whether to acquire or continue to hold an AMP Bank product.
The calculator is not an offer for a loan. To apply for an AMP Bank home loan, you must complete an application form and submit it together with all required documentation for assessment. Formal loan approval is subject to AMP Bank lending criteria. All information entered into the calculator will require verification as part of our application process.

When taking out an AMP Bank loan, certain fees and charges are payable by the borrower. These include but are not limited to Government stamp duty and registration costs, AMP Bank's Establishment Fee, Lender's Mortgage Insurance and other fees and charges.

Fees and charges are payable. Terms and Conditions apply to AMP Bank products and are available upon request.
The credit provider and product issuer is AMP Bank Limited ABN 15 081 596 009, Australian credit licence 234517, AFSL 234517.