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Home loan interest rates & fees

We offer a range of home loans to choose from and with different features and benefits, there’s something for everyone.

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Owner Occupied loans

Professional Package owner occupied new business rates & fees

Effective 02 November 2021

Construction
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%	2.19% pa	2.61% pa	2.99% pa	2.86% pa
	LVR ≤80%	2.24% pa	2.66% pa	2.99% pa	2.89% pa
	LVR <90% + LMI	2.54% pa	2.95% pa	Not applicable	Not applicable
$100,000 to less than $500,000	LVR ≤60%	2.19% pa	2.61% pa	3.60% pa	3.09% pa
	LVR ≤80%	2.24% pa	2.66% pa	3.60% pa	3.12% pa
	LVR ≤90% + LMI	2.54% pa	2.95% pa	Not applicable	Not applicable
$500,000 and above	LVR ≤ 90% + LMI	Not applicable	Not applicable	2.99% pa	2.98% pa
$100,000 to less than $500,000	LVR ≤ 90% + LMI	Not applicable	Not applicable	3.60% pa	3.04% 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	3.19% pa	3.17% pa
$100,000 to less than $500,000	LVR ≤80%	Not applicable	Not applicable	3.80% pa	3.57% pa
Reference Rate^(iv)		Line Of Credit Reference Rate		Line of Credit Reference Rate Interest Only

Effective 01 December 2021

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%	2.49% pa	2.66% pa	3.59% pa	2.75% pa
1 year fixed rate	LVR ≤90% + LMI	2.69% pa	2.95% pa	n/a	n/a
2 year fixed rate	LVR ≤80%	2.44% pa	2.65% pa	3.49% pa	2.81% pa
2 year fixed rate	LVR ≤90% + LMI	2.64% pa	2.93% pa	n/a	n/a
3 year fixed rate	LVR ≤80%	2.59% pa	2.69% pa	2.95% pa	2.74% pa
3 year fixed rate	LVR ≤90% + LMI	2.79% pa	2.95% pa	n/a	n/a
5 year fixed rate	LVR ≤80%	2.99% pa	2.85% pa	3.89% pa	3.14% pa
5 year fixed rate	LVR ≤90% + LMI	3.19% pa	3.11% pa	n/a	n/a

Cheque book available on lines of credit only. 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 01 October 2021

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%	2.49% pa	2.52% pa	2.99% pa	2.76% pa
	LVR ≤ 80%	2.59% pa	2.62% pa	2.99% pa	2.76% pa
	LVR ≤ 90% + LMI	2.89% pa	2.92% pa	n/a	n/a
Construction
$40,000 & above	LVR ≤ 90% + LMI	Not applicable	Not applicable	2.99% pa	2.94% pa
Reference Rate^(iV)		Basic Reference Rate		Basic Reference Rate

Effective 01 December 2021

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	2.69% pa	2.90% pa	3.69% pa	2.71% pa
Basic 2 year fixed rate	2.64% pa	2.88% pa	3.59% pa	2.79% pa
Basic 3 year fixed rate	2.79% pa	2.89% pa	3.05% pa	2.73% pa
Basic 5 year fixed rate	3.19% pa	3.04% pa	3.99% pa	3.15% pa

(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 25 August 2021

Loan type		Principal and Interest
	LVR	Interest rate⁽ⁱ⁾	Comparison rate⁽ⁱⁱ⁾
AMP Essential Home Loan⁽ⁱⁱⁱ⁾
$100,000 and above	LVR <80%	2.22% pa	2.25% pa
$100,000 and above	LVR <90% + LMI	2.45% pa	2.48% pa
$40,000 to less than $100,000	LVR <90% + LMI	4.00% pa	4.03% 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 27 March 2020

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⁾	4.88% pa	4.93% pa	5.60% pa	5.22% 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 02 November 2020

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%	2.64% pa	3.06% pa	3.29% pa	3.26% pa
$500,000 and above	LVR ≤90% + LMI	2.86% pa	3.28% pa	n/a	n/a
$100,000 to less than $500,000	LVR <80%	2.64% pa	3.06% pa	4.35% pa	3.67% pa
$100,000 to less than $500,000	LVR ≤90% + LMI	2.89% pa	3.30% 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	3.49% pa	3.51% pa
$100,000 to less than $500,000	LVR <80%	Not applicable	Not applicable	4.55% pa	4.22% pa
Reference Rate^(iv)		Line of Credit Reference Rate		Line of Credit Reference Rate Interest Only

Effective 3 June 2021

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%	2.49% pa	3.03% pa	3.59% pa	3.11% pa
1 year fixed rate	LVR ≤90% + LMI	2.69% pa	3.27% pa	n/a	n/a
2 year fixed rate	LVR ≤80%	2.19% pa	2.94% pa	3.49% pa	3.14% pa
2 year fixed rate	LVR ≤90% + LMI	2.39% pa	3.18% pa	n/a	n/a
3 year fixed rate	LVR ≤80%	2.49% pa	2.96% pa	2.95% pa	3.05% pa
3 year fixed rate	LVR ≤90% + LMI	2.69% pa	3.19% pa	n/a	n/a
5 year fixed rate	LVR ≤80%	2.99% pa	3.10% pa	3.89% pa	3.40% pa
5 year fixed rate	LVR ≤90% + LMI	3.19% pa	3.32% 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

Cheque book available on Lines of Credit only. 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 01 October 2021

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	2.48% pa	2.48% pa	3.14% pa	2.73% pa
Construction	Not applicable	Not applicable	3.14% pa	2.54% pa
Reference Rate⁽ⁱⁱⁱ⁾	AMP First Reference Rate		AMP First Reference Rate Interest Only
Line of Credit	Not applicable	Not applicable	3.34% pa	3.02% pa
Reference Rate(iii)	AMP First Line Of Credit Reference Rate		AMP First Line Of Credit Reference Rate Interest Only

Effective 01 December 2021

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	2.47% pa	2.48% pa	3.57% pa	2.57% pa
2 year fixed rate	2.43% pa	2.47% pa	3.47% pa	2.64% pa
3 year fixed rate	2.58% pa	2.50% pa	2.93% pa	2.59% pa
5 year fixed rate	2.98% pa	2.68% pa	3.87% pa	3.00% 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 01 December 2021

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%	2.34% pa	2.76% pa	2.59% pa	2.80% pa
	LVR ≤80%	2.39% pa	2.81% pa	2.59% pa	2.83% pa
	LVR <90%	2.89% pa	3.30% pa	n/a	n/a
$100,000 to less than $500,000	LVR ≤60%	2.34% pa	2.76% pa	2.59% pa	2.80% pa
	LVR ≤80%	2.39% pa	2.81% pa	2.59% pa	2.83% pa
	LVR ≤90%	2.89% pa	3.30% pa	n/a	n/a
Construction
$500,000 and above	LVR ≤ 60%	Not applicable	Not applicable	2.59% pa	2.77% pa
$500,000 and above	LVR ≤ 80%	Not applicable	Not applicable	2.59% pa	3.26% pa
$100,000 to less than $500,000	LVR ≤ 90%	Not applicable	Not applicable	2.59% pa	3.26% 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	2.79% pa	2.95% pa
$500,000 and above	LVR ≤80%	Not applicable	Not applicable	2.79% pa	2.97% pa
$100,000 to less than $500,000	LVR ≤80%	Not applicable	Not applicable	2.79% pa	2.97% pa
Reference Rate^(iv)		Line Of Credit Reference Rate Investment		Line Of Credit Reference Rate Interest Only Investment

Effective 01 December 2021

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%	2.99% pa	2.84% pa	2.99% pa	2.83% pa
1 year fixed rate	LVR ≤90%	3.19% pa	3.30% pa	n/a	n/a
2 year fixed rate	LVR ≤80%	2.40% pa	2.77% pa	2.54% pa	2.77% pa
2 year fixed rate	LVR ≤90%	2.60% pa	3.20% pa	n/a	n/a
3 year fixed rate	LVR ≤80%	2.79% pa	2.84% pa	2.89% pa	2.84% pa
3 year fixed rate	LVR ≤90%	2.99% pa	3.26% pa	n/a	n/a
5 year fixed rate	LVR ≤80%	3.09% pa	2.98% pa	3.39% pa	3.04% pa
5 year fixed rate	LVR ≤90%	3.29% pa	3.35% 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 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 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.

Basic Package investment new business rates & fees

Effective 01 October 2021

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	2.77% pa	2.99% pa	2.89% pa
	LVR < 80%	2.79% pa	2.82% pa	2.99% pa	2.89% pa
	LVR < 90%	3.27 % pa	3.30% pa	n/a	n/a
Construction
$40,000 and above	LVR ≤ 90%	Not applicable	Not applicable	2.99% pa	3.29% pa
Reference Rate(iv)		Basic Reference Rate Investment		Basic Reference Rate Interest Only Investment

Effective 01 December 2021

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)	3.19% pa	3.29% pa	3.09% pa	2.84% pa
Basic 2 year fixed rate (Investment)	2.60% pa	3.18% pa	2.64% pa	2.79% pa
Basic 3 year fixed rate (Investment)	2.99% pa	3.23% pa	2.99% pa	2.87% pa
Basic 5 year fixed rate (Investment)	3.29% pa	3.31% pa	3.49% pa	3.08% pa

⁽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 8 July 2021

Loan type		Principal and Interest
	LVR	Interest rate⁽ⁱ⁾	Comparison rate⁽ⁱⁱ⁾
AMP Essential Home Loan (Investment)⁽ⁱⁱⁱ⁾
$100,000 and above	LVR <90%	4.59% pa	4.62% pa
$40,000 to less than $100,000	LVR <90%	4.59% pa	4.62% 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 8 July 2021

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)	5.94% pa	5.99% pa	6.39% pa	6.18% pa
Reference Rate(iv)	Standard Reference Rate Investment		Standard Reference Rate Interest Only Investment

A Settlement fee of $349 applies.

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 8 July 2021

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%	3.14% pa	3.55% pa	3.34% pa	3.58% pa
$500,000 and above	LVR ≤90%	3.27% pa	3.68% pa	n/a	n/a
$100,000 to less than $500,000	LVR <80%	3.14% pa	3.55% pa	3.34% pa	3.58% pa
$100,000 to less than $500,000	LVR ≤90%	3.61% pa	4.01% 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	3.54% pa	3.72% pa
$100,000 to less than $500,000	LVR <80%	Not applicable	Not applicable	3.54% pa	3.72% pa
Reference Rate^(iv)		Line Of Credit Reference Rate Investment		Line of Credit Reference Rate Interest Only Investment

Effective 8 July 2021

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%	2.99% pa	3.51% pa	2.99% pa	3.50% pa
1 year fixed rate	LVR ≤90%	3.19% pa	3.95% pa	n/a	n/a
2 year fixed rate	LVR <80%	2.79% pa	3.45% pa	2.99% pa	3.46% pa
2 year fixed rate	LVR ≤90%	2.99% pa	3.86% pa	n/a	n/a
3 year fixed rate	LVR <80%	2.79% pa	3.40% pa	2.99% pa	3.43% pa
3 year fixed rate	LVR ≤90%	2.99% pa	3.79% pa	n/a	n/a
5 year fixed rate	LVR <80%	3.09% pa	3.43% pa	3.39% pa	3.51% pa
5 year fixed rate	LVR ≤90%	3.29% pa	3.78% 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

(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

Investment Property loans

Effective 01 October 2021

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	2.99% pa	2.99% pa	3.34% pa	3.12% pa
Construction	Not applicable	Not applicable	3.34% pa	3.02% pa
Reference Rate⁽ⁱⁱⁱ⁾	AMP First Reference Rate Investment		AMP First Reference Rate Interest Only Investment
Line of Credit	Not applicable	Not applicable	3.54% 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 1 December 2021

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	2.97% pa	2.99% pa	2.97% pa	2.99% pa
2 year fixed rate	2.39% pa	2.89% pa	2.53% pa	2.91% pa
3 year fixed rate	2.78% pa	2.94% pa	2.88% pa	2.96% pa
5 year fixed rate	3.07% pa	3.02% pa	3.37% pa	3.13% 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

Important information

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.