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Low rate home loan

Our AMP Essential Home Loan offers a great low rate with no ongoing fees

Variable rates from 1
% pa
Comparison rate 3
% pa
This product includes:
  • Apply online for fast approval

  • Unlimited additional repayments and redraw

  • Ongoing competitive variable interest rate

  • Principal & interest (P&I) repayments

  • Flexible repayment options (W, F, M)

  • No ongoing fees

This product does not include:
  • Offset account

  • Fixed rate options

  • Interest only repayments

  • Option for a construction loan interest only period

  • Pre-approved lending limit to borrow against equity

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Offset home loan

Access to variable loan offset accounts with our Professional Package Home Loan

Variable rates from 2
% pa
Comparison rate 3
% pa
This product includes:
  • Apply online for fast approval

  • 100% offset accounts with variable rate loans

  • Variable or fixed rates, or a combination

  • Principal & interest (P&I) or interest only (IO) repayments

  • Flexible repayment options (W, F, M)

  • Unlimited additional repayments and redraw for variable and Line of Credit

  • Additional repayments up to $10K per annum for fixed loans

  • Option for a construction loan interest only period***

  • Pre-approved lending limit to borrow against equity***

  • $349 annual fee

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We're here to help

Connect with one of our home loan specialists for any assistance on your home loan journey.  We offer support on the go with tips, tools and resources, to keep you moving forward.

Home loan support

Looking for something else?

Explore our other home loan options.


 


 

Refinance online with AMP
Refinancing with AMP to either our Low rate or Offset home loan is fast and easy. We validate your application in real time and if eligible, you can get approval within an hour.**

Home loan calculators

Explore our different calculators to estimate your home loan repayments, borrowing power or savings when you refinance to an AMP home loan.

See all calculators

Support at your fingertips

If you need assistance or have any questions, provide your details and one of our home loan specialists in Australia will get in touch.

Request a call back →

Home Loan Support →

Contact us

Call 1300 534 325
Email direct_lending@ampbanking.com.au

Weekdays 8am - 8pm Sydney time

What you need to know

The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice

A target market determination for these products is available on our TMD page.

1 Owner Occupied AMP Essential Home Loan variable rate, $750,000 and above, LVR ≤60%, P&I repayments. Other rates apply for Investment property loans. Rate is for new loans only and is subject to change.

2 Owner Occupied Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Other rates apply for investment property loans. Rate is for new loans only and are subject to change.

3 The comparison rate is calculated for a secured loan for an amount of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

* Global Retail Banking Innovation Awards 2023 – The Digital Banker.

** In many cases a conditional approval will be provided immediately after submission. The time to receive a full unconditional approval will vary. Where only identification is required, an immediate response to our SMS to complete this could result in an unconditional approval within an hour. Unconditional approval could take longer if we need to seek clarifications from you, or if we need to undertake an inspection of your property. The speed of response is also dependant on the time a second applicant takes to confirm their application details, and for all applicants to complete the biometric ID check. Most metro postcodes and many regional postcodes are eligible. Ineligible postcodes are likely in remote or higher risk areas. You will be told early in the application form if your postcode is ineligible. 

*** The option for a construction loan or pre-approved lending limit to borrow against equity are not available through our online application process. If you're looking to access these options, speak to one of our Home Loan Specialists today.