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Owner Occupied loans
Effective 24 May 2022
| Loan type | Principal and Interest | Interest Only | |||
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) |
Comparison rate(ii) | |
| Variable rate loan(iii) | |||||
| $500,000 and above |
LVR ≤60% | 2.44% pa | 2.86% pa | 3.24% pa |
3.11% pa |
| LVR ≤80% | 2.44% pa | 2.86% pa | 3.24% pa | 3.11% pa | |
| LVR <90% + LMI | 2.67% pa | 3.08% pa | Not applicable |
Not applicable |
|
| $100,000 to less than $500,000 | LVR ≤60% | 2.54% pa | 2.95% pa | 3.85% pa | 3.40% pa |
| LVR ≤80% | 2.59% pa | 3.00% pa | 3.85% pa | 3.44% pa | |
| LVR ≤90% + LMI | 2.67% pa | 3.08% pa | Not applicable | Not applicable | |
| Construction | |||||
|---|---|---|---|---|---|
| $500,000 and above | LVR ≤ 90% + LMI | Not applicable | Not applicable | 3.24% pa | 3.12% pa |
| $100,000 to less than $500,000 | LVR ≤ 90% + LMI | Not applicable | Not applicable | 3.85% pa | 3.17% pa |
| Reference Rate(iv) | Standard Reference Rate | Standard Reference Rate Interest Only | |||
| Line of credit(iii) | |||||
| $500,000 and above | LVR ≤80% | Not applicable | Not applicable | 3.44% pa | 3.40% pa |
| $100,000 to less than $500,000 | LVR ≤80% | Not applicable | Not applicable | 4.05% pa | 3.86% pa |
| Reference Rate(iv) | Line Of Credit Reference Rate | Line of Credit Reference Rate Interest Only | |||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | |||
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(iii) | |
| Fixed rates $100,000 and above |
|||||
| 1 year fixed rate | LVR ≤80% | 3.74% pa |
3.08% pa |
4.49% pa |
3.14% pa |
| LVR ≤90% + LMI | 3.94% pa | 3.17% pa | n/a | n/a | |
| 2 year fixed rate | LVR ≤80% | 4.54% pa |
3.30% pa |
4.74% pa |
3.31% pa |
| LVR ≤90% + LMI | 4.74% pa | 3.40% pa | n/a | n/a | |
| 3 year fixed rate | LVR ≤80% | 4.79% pa |
3.50% pa |
4.99% pa |
3.51% pa |
| LVR ≤90% + LMI | 4.99% pa | 3.61% pa | n/a | n/a | |
| 5 year fixed rate | LVR ≤80% | 5.04% pa |
3.88% pa |
5.24% pa |
3.90% pa |
| LVR ≤90% + LMI | 5.24% pa | 4.02% pa | n/a | n/a | |
Credit interest applies to all lines of credit. Professional Package eligibility - total borrowings with AMP Bank must exceed $100,000. An Annual fee of $349 is payable in advance at settlement and on each anniversary date of the Professional Package loan.
(i)Rates are subject to change.
(ii)The comparison rate is calculated for a secured loan on a loan amount of $150,000 over a 25-year term. WARNING: This comparison rate is true only 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. Approval is subject to AMP Bank guidelines. Other fees and charges apply. Full details are available in the Fees and charges guide. Terms and conditions are available on request.
(iv)View a full list of Reference Rates and their values.
(v)For new home loan applications received from Wednesday 25 August 2021. AMP Bank reserves the right to terminate the offer at any time. Applications subject to credit approval. Fees and charges may be payable.
Basic Package owner occupied new business rates & fees
Effective 13 May 2022
| Loan Type | Principal & Interest | Interest Only | |||
| LVR | Interest rate(I) | Comparison rate(II) | Interest rate(I) | Comparison rate(II) | |
| Variable rate loan | |||||
| $40,000 & above | LVR ≤ 60% | 2.74% pa | 2.79% pa | 3.24% pa | 3.03% pa |
| LVR ≤ 80% | 2.84% pa | 2.89% pa | 3.24% pa |
3.03% pa |
|
| LVR ≤ 90% + LMI | 3.14% pa | 3.19% pa | n/a | n/a | |
| Construction | |||||
| $40,000 & above | LVR ≤ 90% + LMI | Not applicable | Not applicable | 3.24% pa | 3.21% pa |
| Reference Rate(iV) | Basic Reference Rate | Basic Reference Rate | |||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
| (LVR ≤ 90% + LMI) | (LVR ≤ 80%) | |||
| Interest rate(I) | Comparison rate(II) | Interest rate(I) | Comparison rate(II) | |
| Fixed rate loans | ||||
| Basic 1 year fixed rate | 3.99% pa | 3.27% pa | 4.64% pa | 3.05% pa |
| Basic 2 year fixed rate | 4.79% pa | 3.48% pa | 4.89% pa | 3.24% pa |
| Basic 3 year fixed rate | 4.99% pa | 3.67% pa | 5.09% pa | 3.45% pa |
| Basic 5 year fixed rate | 5.24% pa | 4.05% pa | 5.34% pa | 3.87% pa |
A settlement fee of $349 applies.
(i) Rates are subject to change. Fees and charges are payable. Terms and conditions apply. Approval is subject to AMP Bank guidelines.
(ii)Comparison rates have been calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only 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) Available for new loans only.
(iv) View a full list of Reference Rates and their values.
Other fees and charges apply. Full details are available in the Fees and charges guide.
AMP Essential Home Loan owner occupied new business rates & fees
AMP Essential Home Loan (owner occupied)
Rates and fees for owner occupiers
Effective 24 May 2022
| Loan type | Principal and Interest |
||
| LVR | Interest rate(i) | Comparison rate(ii) | |
| AMP Essential Home Loan(iii) | |||
| $100,000 and above | LVR <80% | 2.37% pa | 2.40% pa |
| $100,000 and above | LVR <90% + LMI | 2.70% pa | 2.73% pa |
| $40,000 to less than $100,000 | LVR <90% + LMI | 4.25% pa | 4.28% pa |
| Reference Rate(iv) | Basic Reference Rate | ||
(i) Rates are subject to change.
(ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only 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) Available for new loans only.
(iv) View a full list of Reference Rates and their values.
Fees and charges are payable. Terms and Conditions apply. Approval is subject to AMP Bank guidelines.
Land Loan owner occupied new business rates and fees
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
| (LVR <90% + LMI) | (LVR <80%) | |||
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Land Loan(iii) | 5.13% pa | 5.18% pa | 5.85% pa | 5.47% pa |
| Reference Rate(iv) | Standard Reference Rate | Standard Reference Rate Interest Only | ||
A Settlement fee of $349 applies.
(i) Rates are subject to change.
(ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only 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.
(iii) Rate is for new loans only and subject to change.
(iv) View a full list of Reference Rates and their values.
Terms and Conditions apply and are available on request. Approval is subject to AMP Bank guidelines.
Available for new home loan customers with a single, owner occupied security only, with the intention of building a single owner occupied property on the land. Other fees and charges apply. Full details are available in the Home loan fees and charges guide.
Select Package new business rates & fees
The Select Package is a special offer only available to eligible corporate super members and AMP Limited shareholders.
Owner Occupied
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | |||
|---|---|---|---|---|---|
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan(iii) | |||||
| $500,000 and above | LVR <80% | 2.89% pa |
3.31% pa | 3.54% pa | 3.51% pa |
| LVR ≤90% + LMI | 3.11% pa |
3.52% pa | n/a | n/a | |
| $100,000 to less than $500,000 | LVR <80% | 2.89% pa | 3.31% pa | 4.60% pa | 3.92% pa |
| LVR ≤90% + LMI | 3.14% pa |
3.55% pa | n/a | n/a | |
| Reference Rate(iv) | Standard Reference Rate | Standard Reference Rate Interest Only | |||
| Line of Credit(iii) | |||||
| $500,000 and above | LVR <80% | Not applicable | Not applicable | 3.74% pa | 3.76% pa |
| $100,000 to less than $500,000 | LVR <80% | Not applicable | Not applicable | 4.80% pa | 4.47% pa |
| Reference Rate(iv) |
Line of Credit Reference Rate |
Line of Credit Reference Rate Interest Only |
|||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | |||
|---|---|---|---|---|---|
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Fixed rates $100,000 and above | |||||
| 1 year fixed rate | LVR ≤80% | 3.74% pa |
3.36% pa | 4.49% pa | 3.42% pa |
| LVR ≤90% + LMI | 3.94% pa | 3.60% pa | n/a | n/a | |
| 2 year fixed rate | LVR ≤80% | 4.54% pa |
3.55% pa | 4.74% pa | 3.57% pa |
| LVR ≤90% + LMI | 4.74% pa | 3.79% pa | n/a | n/a | |
| 3 year fixed rate | LVR ≤80% | 4.79% pa |
3.73% pa | 4.99% pa | 3.75% pa |
| LVR ≤90% + LMI | 4.99% pa | 3.96% pa | n/a | n/a | |
| 5 year fixed rate | LVR ≤80% | 5.04% pa |
4.07% pa | 5.24% pa | 4.09% pa |
| LVR ≤90% + LMI | 5.24% pa | 4.30% pa | n/a | n/a | |
Select 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 | Not applicable | 0.00% pa | Not applicable |
| From $20,000 and over | 0.25% pa | Not applicable | 0.25% pa | Not applicable |
Credit interest applies to all Lines of Credit. A Settlement fee of $349 applies to all home loans listed above. An annual fee of $349 is payable on each anniversary date. Loans from $100,000 and above.
(i) Rates are subject to change.
(ii) The comparison rate is calculated for a secured loan on a loan amount of $150,000 over a 25-year term. WARNING: This comparison rate is true only 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.
(v) For new home loan applications received from Friday 30 April 2021. AMP Bank reserves the right to terminate the offer at any time. Applications subject to credit approval. Fees and charges may be payable.
AMP First Home Loan owner occupied new business rates & fees
The AMP First Home Loan is a special offer only available to AMP shareholders, AMP employees, AMP Life employees and is also available to other client groups who apply directly through AMP Bank. Complete the online enquiry form to request more information about the AMP First Home Loan and for an AMP Bank direct sales team member to contact you.
Owner Occupied Loans
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| (LVR <90% + LMI) | (LVR <80%) | |||
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan | 2.73% pa |
2.73% pa | 3.39% pa | 2.98% pa |
| Construction | Not applicable | Not applicable | 3.39% pa | 2.79% pa |
| Reference Rate(iii) |
AMP First Reference Rate | AMP First Reference Rate Interest Only |
||
| Line of Credit | Not applicable | Not applicable | 3.59% pa |
3.27% pa |
| Reference Rate(iii) | AMP First Line Of Credit Reference Rate | AMP First Line Of Credit Reference Rate Interest Only | ||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| (LVR <90% + LMI) | (LVR <80%) | |||
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Fixed rates | ||||
| 1 year fixed rate | 3.72% pa | 2.82% pa | 4.47% pa | 2.88% pa |
| 2 year fixed rate | 4.53% pa | 3.04% pa | 4.72% pa | 3.07% pa |
| 3 year fixed rate | 4.78% pa | 3.25% pa |
4.97% pa | 3.29% pa |
| 5 year fixed rate | 5.03% pa | 3.66% pa | 5.22% pa | 3.70% pa |
Effective 16 February 2017
| Loan type | Prinicipal and Interest | Interest Only | ||
|---|---|---|---|---|
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Line of Credit (credit balances) |
||||
| From $0 to less than $20,000 |
0.00% pa | Not applicable |
0.00% pa | Not applicable |
| From $20,000 and over |
0.25% pa | Not applicable |
0.25% pa | Not applicable |
(i) Rates are subject to change
(ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees of other loan amounts might result in a different comparison rate.
(iii) View a full list of Reference Rates and their values
Investment loans
Professional Package investment new business rates & fees
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | |||
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan (Investment) (iii) | |||||
| $500,000 and above |
LVR ≤60% | 2.54% pa |
2.95% pa |
2.84% pa |
3.02% pa |
| LVR ≤80% | 2.59% pa |
3.00% pa |
2.84% pa |
3.05% pa |
|
| LVR <90% | 2.91% pa |
3.32% pa |
n/a |
n/a |
|
| $100,000 to less than $500,000 | LVR ≤60% | 2.54% pa | 2.95% pa | 2.84% pa | 3.02% pa |
| LVR ≤80% | 2.59% pa | 3.00% pa | 2.84% pa |
3.05% pa | |
| LVR ≤90% | 2.91% pa | 3.32% pa | n/a | n/a | |
| Construction | |||||
| $500,000 and above | LVR ≤ 60% | Not applicable |
Not applicable |
2.84% pa |
2.97% pa |
| LVR ≤ 80% |
Not applicable |
Not applicable |
2.84% pa |
3.30% pa | |
| $100,000 to less than $500,000 | LVR ≤ 90% |
Not applicable |
Not applicable |
2.84% pa | 3.30% pa |
| Reference Rate(iv) | Standard Reference Rate Investment | Standard Reference Rate Interest Only Investment | |||
| Line of Credit (Investment) (iii) |
|||||
| $500,000 and above | LVR ≤60% | Not applicable | Not applicable | 3.04% pa |
3.18% pa |
| LVR ≤80% | Not applicable | Not applicable | 3.04% pa |
3.20% pa | |
| $100,000 to less than $500,000 | LVR ≤80% | Not applicable | Not applicable | 3.04% pa | 3.20% pa |
| Reference Rate(iv) | Line Of Credit Reference Rate Investment | Line Of Credit Reference Rate Interest Only Investment | |||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | |||
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Fixed rates (Investment) $100,000 and above |
|||||
| 1 year fixed rate | LVR ≤80% | 3.84% pa |
3.09% pa |
4.04% pa |
3.10% pa |
| LVR ≤90% | 4.04% pa |
3.39% pa |
n/a | n/a | |
| 2 year fixed rate | LVR ≤80% | 4.64% pa |
3.31% pa |
4.74% pa | 3.31% pa |
| LVR ≤90% | 4.84% pa |
3.61% pa |
n/a | n/a | |
| 3 year fixed rate | LVR ≤80% | 4.84% pa |
3.51% pa |
4.94% pa |
3.50% pa |
| LVR ≤90% | 5.04% pa |
3.80% pa |
n/a | n/a | |
| 5 year fixed rate | LVR ≤80% | 5.09% pa |
3.91% pa |
5.19% pa |
3.88% pa |
| LVR ≤90% | 5.29% pa |
4.18% pa |
n/a | n/a | |
(i) Rates are subject to change.
(ii) The comparison rate is calculated for a secured loan on a loan amount of $150,000 over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.
(iii) Rates are for new loans only. Approval is subject to AMP Bank guidelines. Other fees and charges apply. Full details are available in the Fees and charges guide. Terms and conditions are available on request.
(iv) View a full list of Reference Rates and their values.
(v) For new home loan applications received from Tuesday 20 July 2021. AMP Bank reserves the right to terminate the offer at any time. Applications subject to credit approval. Fees and charges may be payable.
Credit interest applies to all lines of credit. Professional Package eligibility - total borrowings with AMP Bank must exceed $100,000. An Annual fee of $349 is payable in advance at settlement and on each anniversary date of the Professional Package loan.
Basic Package investment new business rates & fees
Effective 13 May 2022
| Loan type | Principal & Interest | Interest Only | |||
| LVR | Interest rate(i) |
Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan | |||||
| $40,000 & above | LVR < 60% | 2.99% pa | 3.04% pa | 3.24% pa | 3.16% pa |
| LVR < 80% | 3.04% pa | 3.09% pa | 3.24% pa | 3.16% pa | |
| LVR < 90% | 3.52 % pa | 3.57% pa | n/a | n/a | |
| Construction | |||||
| $40,000 and above | LVR ≤ 90% | Not applicable | Not applicable | 3.24% pa | 3.56% pa |
| Reference Rate(iv) | Basic Reference Rate Investment | Basic Reference Rate Interest Only Investment | |||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
| (LVR <90%) | (LVR <80%) | |||
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Fixed rate loans | ||||
| Basic 1 year fixed rate (Investment) | 4.04% pa | 3.62% pa | 4.14% pa | 3.19% pa |
| Basic 2 year fixed rate (Investment) | 4.89% pa | 3.81% pa |
4.89% pa | 3.41% pa |
| Basic 3 year fixed rate (Investment) | 5.04% pa | 3.97% pa | 5.04% pa | 3.59% pa |
| Basic 5 year fixed rate (Investment) | 5.34% pa | 4.32% pa | 5.34% pa | 3.99% pa |
A settlement fee of $349 applies.
(i) Rates are subject to change. Fees and charges are payable. Terms and conditions apply. Approval is subject to AMP Bank guidelines.
(ii)Comparison rates have been calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only 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) Available for new loans only.
(iv) View a full list of Reference Rates and their values.
Other fees and charges apply. Full details are available in the Fees and charges guide.
AMP Essential Home Loan investment new business rates and fees
AMP Essential Home Loan (Investment)
Effective 13 May 2022
| Loan type | Principal and Interest |
||
| LVR | Interest rate(i) | Comparison rate(ii) | |
| AMP Essential Home Loan (Investment)(iii) | |||
| $100,000 and above | LVR <90% | 4.84% pa | 4.87% pa |
| $40,000 to less than $100,000 | LVR <90% | 4.84% pa | 4.87% pa |
| Reference Rate(iv) | Basic Reference Rate Investment | ||
(i) Rates are subject to change.
(ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only 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) Available for new loans only.
(iv) View a full list of Reference Rates and their values.
Fees and charges are payable. Terms and Conditions apply. Approval is subject to AMP Bank guidelines.
Land Loan investment new business rates & fees
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
| (LVR ≤90%) | (LVR <80%) | |||
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Land Loan(iii) | 6.19% pa | 6.24% pa | 6.64% pa | 6.43% pa |
| Reference Rate(iv) | Standard Reference Rate Investment | Standard Reference Rate Interest Only Investment |
||
A Settlement fee of $349 applies.
(i) Rates are subject to change.
(ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only 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.
(iii) Rate is for new loans only and subject to change.
(iv) View a full list of Reference Rates and their values.
Terms and Conditions apply and are available on request. Approval is subject to AMP Bank guidelines.
Available for new home loan customers. Other fees and charges apply. Full details are available in the Home loan fees and charges guide.
Select Package investment new business rates & fees
The Select Package is a special offer only available to eligible corporate super members and AMP Limited shareholders.
Investment
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | |||
|---|---|---|---|---|---|
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan(iii) | |||||
| $500,000 and above | LVR <80% | 3.39% pa |
3.79% pa | 3.59% pa | 3.83% pa |
| LVR ≤90% | 3.52% pa |
3.92% pa | n/a | n/a |
|
| $100,000 to less than $500,000 | LVR <80% | 3.39% pa |
3.79% pa | 3.59% pa | 3.83% pa |
| LVR ≤90% |
3.86% pa |
4.25% pa | n/a |
n/a |
|
| Reference Rate(iv) | Standard Reference Rate Investment | Standard Reference Rate Interest Only Investment | |||
| Line of Credit(iii) | |||||
| $500,000 and above | LVR <80% | Not applicable | Not applicable | 3.79% pa |
3.97% pa |
| $100,000 to less than $500,000 | LVR <80% | Not applicable | Not applicable | 3.79% pa |
3.97% pa |
| Reference Rate(iv) |
Line Of Credit Reference Rate Investment | Line of Credit Reference Rate Interest Only Investment |
|||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | |||
|---|---|---|---|---|---|
| LVR | Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Fixed rates $100,000 and above | |||||
| 1 year fixed rate | LVR <80% | 3.84% pa | 3.81% pa | 4.04% pa | 3.82% pa |
| LVR ≤90% | 4.04% pa | 4.25% pa | n/a | n/a | |
| 2 year fixed rate | LVR <80% | 4.64% pa | 3.97% pa | 4.74% pa | 3.97% pa |
| LVR ≤90% | 4.84% pa | 4.39% pa | n/a | n/a | |
| 3 year fixed rate | LVR <80% | 4.84% pa | 4.11% pa | 4.94% pa | 4.10% pa |
| LVR ≤90% | 5.04% pa | 4.50% pa | n/a | n/a | |
| 5 year fixed rate | LVR <80% | 5.09% pa | 4.39% pa | 5.19% pa | 4.37% pa |
| LVR ≤90% | 5.29% pa | 4.74% pa | n/a | n/a | |
Select 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 | Not applicable | 0.00% pa | Not applicable |
| From $20,000 and over | 0.25% pa | Not applicable |
0.25% pa | Not applicable |
Credit interest applies to all Lines of Credit. A Settlement fee of $349 applies to all home loans listed above. An annual fee of $349 is payable on each anniversary date. Loans from $100,000 and above.
(i) Rates are subject to change.
(ii) The comparison rate is calculated for a secured loan on a loan amount of $150,000 over a 25-year term. WARNING: This comparison rate is true only 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.
(v) For new home loan applications received from Thursday 8 July 2021. AMP Bank reserves the right to terminate the offer at any time. Applications subject to credit approval. Fees and charges may be payable.
AMP First Investment Home Loan new business interest rates & fees
The AMP First Home Loan is a special offer only available to AMP shareholders, AMP employees, AMP Life employees and is also available to other client groups who apply directly through AMP Bank. Complete the online enquiry form to request more information about the AMP First Home Loan and for an AMP Bank direct sales team member to contact you.
Investment Property loans
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| (LVR <90%) | (LVR <80%) | |||
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan | 3.09% pa |
3.09% pa | 3.29% pa | 3.17% pa |
| Construction | Not applicable | Not applicable | 3.59% pa | 3.13% pa |
| Reference Rate(iii) |
AMP First Reference Rate Investment | AMP First Reference Rate Interest Only Investment |
||
| Line of Credit | Not applicable | Not applicable | 3.49% pa |
Not applicable |
| Reference Rate(iii) | AMP First Line Of Credit Reference Rate Investment | AMP First Line Of Credit Reference Rate Interest Only Investment | ||
Effective 13 May 2022
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| (LVR <90%) | (LVR <80%) | |||
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Fixed rates | ||||
| 1 year fixed rate | 3.82% pa | 3.16% pa | 4.02% pa | 3.17% pa |
| 2 year fixed rate | 4.63% pa | 3.36% pa | 4.73% pa | 3.37% pa |
| 3 year fixed rate | 4.83% pa | 3.54% pa | 4.93% pa | 3.55% pa |
| 5 year fixed rate | 5.07% pa | 3.90% pa | 5.17% pa | 3.91% pa |
Effective 16 February 2017
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Line of Credit (credit balances) |
||||
| From $0 to less than $20,000 |
0.00% pa | Not applicable |
0.00% pa | Not applicable |
| From $20,000 and over |
0.25% pa | Not applicable |
0.25% pa | Not applicable |
(i) Rates are subject to change
(ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees of other loan amounts might result in a different comparison rate.
(iii) View a full list of Reference Rates and their values
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.
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.
*** Special $3,000 cashback for new purchase applications with principal and interest repayments with a portion of the loan on a variable interest rate.
Special offer available for applications made between 28 March 2022 and 31 May 2022 (inclusive) which settle on or before 31 August 2022. AMP Bank reserves the right to withdraw this offer at any time.
This offer is open to Australian residents aged 18 and over who are purchasing a new home. Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply.
This offer is available on Professional Package, AMP First, Essential and Basic Home Loan products only with a minimum loan amount of $250k. Offer is available for owner occupier and residential investment loans with principal and interest repayments. A variable interest rate must also apply to a portion of the loan balance.
Not available for the refinance, restructure, or switches of home loans within AMP Bank or refinancing an existing home loan from another lender.
Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved. The $3,000 cashback cannot be used towards the serviceability of the home loan. The $3,000 cashback is not transferable.
The $3,000 cashback must be paid into an AMP Bank offset account, or AMP Access account, and will be paid within 60 days of the settlement date. If you do not have an existing AMP Bank offset account or AMP Access account, one must be opened before the date of settlement.
For multiple home loan applicants, the AMP Bank account needs to be in the name of at least one of the home loan applicants, and the $3,000 cashback will be paid only once to the applicants jointly.
The Offer is current as at 28 March 2022. This Offer may be varied, withdrawn or extended by AMP Bank at any time without notice. Applicants should seek their own tax advice in relation to the receipt of a cashback on settlement.
Tax consequences may arise from these promotions for investors and customers should seek independent advice on any taxation matters. 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.