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

Owner Occupied loans

Professional Package owner occupied new business rates & fees

Effective 11 October 2019

Loan type   Principal and Interest  Interest Only
  (Max LVR 90% + LMI) (Max LVR 80% incl LMI)
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
Variable rate loan(iii)
$100,000 to $249,999
4.12% pa 4.50% pa
4.83% pa
4.75% pa
$250,000 to $499,999
3.14% pa
3.54% pa
4.60% pa
4.07% pa
$500,000 to $749,999 3.14% pa 3.54% pa 3.94% pa 3.80% pa
$750,000 and above 3.14% pa 3.54% pa 3.54% pa 3.65% 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 5.03% pa Not applicable
$250,000 to $499,999 Not applicable Not applicable 4.80% pa Not applicable
$500,000 to $749,999 Not applicable Not applicable 4.14% pa Not applicable
$750,000 and above Not applicable Not applicable 3.74% pa Not applicable
Reference Rate(iv) Line Of Credit Reference Rate Line of Credit Reference Rate
Interest Only


Effective 14 October 2019

 Loan type    Principal and Interest  Interest Only
  (Max LVR 90% + LMI) (Max LVR 80% incl LMI)
   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
4.49% pa
4.55% pa
4.51% pa
2 year fixed rate 2.89% pa
4.24% pa
4.23% pa
4.46% pa
3 year fixed rate 3.13% pa
4.18% pa
4.33% pa
4.47% pa
5 year fixed rate 3.34% pa
4.08% pa
5.23% pa
4.81% pa

 

Professional Package Lines of Credit - credit balances

Effective 16 February 2017

 Loan type  Principal and Interest  Interest Only
Lines of Credit (credit balances)  Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
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. 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.

Basic Package owner occupied new business rates & fees

 

Effective 11 October 2019

 Loan type Principal and Interest   Interest Only
  (Max LVR 90% + LMI) (Max LVR 80% incl LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan        
Basic variable rate loan(iii) 3.68% pa 3.73% pa 4.28% pa 3.96% pa
Reference Rate(iv) Basic Reference Rate   Basic Reference Rate
Interest Only
 

Effective 8 March 2019

Loan type  Principal and Interest
 (Max LVR 90% + LMI)
Interest Only
(Max LVR 80% incl LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rate loans        
Basic 1 year fixed rate 4.25% pa 3.78% pa 4.55% pa 3.81% pa
Basic 2 year fixed rate 4.33% pa 3.85% pa 4.63% pa 3.89% pa
Basic 3 year fixed rate 4.49% pa 3.94% pa 4.79% pa 4.01% pa
Basic 5 year fixed rate 4.06% pa 3.88% pa 5.23% pa 4.34% 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 11 October 2019

Loan type    Principal and Interest
 (Max LVR 90% + LMI)
  Interest rate(i) Comparison rate(ii)
AMP Essential Home Loan(iii)    
$40,000 to $99,999 4.25% pa  4.28% pa
$100,000 and above 3.59% pa  3.62% 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.

Classic Club owner occupied new business rates & fees

Effective 11 October 2019

Loan type   Principal and Interest  Interest Only
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
Variable rate loan
Introductory Classic variable rate loan(iii) 4.13% pa 5.08% pa 4.73% pa 5.14% pa
Classic variable rate loan 5.13% pa 5.18% pa 5.73% pa 5.42% pa
Reference Rate(iv) Standard Reference Rate Standard Reference Rate
Interest Only
Line of credit
Classic line of credit 5.93% pa Not applicable
Reference Rate(iv) Line Of Credit Reference Rate Line of Credit Reference Rate
Interest Only


Effective 29 May 2017

Loan type    Principal and Interest  Interest Only
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
Fixed rates
1 year fixed rate 4.60% pa 5.13% pa 4.90% pa 5.16% pa
2 year fixed rate 4.60% pa 5.08% pa 4.90% pa 5.14% pa
3 year fixed rate 4.60% pa 5.04% pa 4.90% pa 5.12% pa
5 year fixed rate 5.04% pa 5.14% pa 5.34% pa 5.26% pa


Effective 16 February 2017

Line of credit (credit balances)  Principal and Interest  Interest Only
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
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. The Settlement fee of $349 applies to all home loans listed 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) Available for new loans with a single, owner occupied security 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.

Construction Loan owner occupied new business rates and fees

Effective 11 October 2019
Loan type Principal and Interest   Interest Only
(Max LVR 80% incl LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Construction Loan(iii) Not applicable Not applicable 5.95% pa 5.27% pa
Reference Rate(iv) Standard Reference Rate   Standard Reference Rate
Interest Only
 

A Settlement fee of $349 applies. An ongoing fee of $20 each month applies to this loan. Other fees and charges apply. Full details are available in our Home loan fees and charges guide.

(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. Comparison rates for construction loans are based on an initial 1 year interest only period with interest payable at the construction rate and a subsequent 24 year principal and interest period with interest payable at the Classic variable rate.
(iii) Rate is for new loans only and subject to change.
(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.

 

Land Loan owner occupied new business rates and fees

Effective 11 October 2019
 Loan type Principal and Interest   Interest Only
(Max LVR 80% incl LMI)
  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 11 October 2019

 Loan type Principal and Interest  Interest Only
  (LVR < 90% + LMI) (LVR < 80% including LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan(iii)        
$100,000 to $249,999 4.12% pa
4.51% pa 4.52% pa 4.63% pa
$250,000 to $499,999 3.14% pa
3.55% pa 4.60% pa 4.07% pa
$500,000 to $749,999 3.14% pa 3.55% pa 3.94% pa 3.81% pa
$750,000 and above 3.14% pa
3.55% pa 3.54% pa 3.66% 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 4.72% pa Not applicable
$250,000 to $499,999 Not applicable Not applicable 4.80% pa Not applicable
$500,000 to $749,999 Not applicable Not applicable 4.14% pa
Not applicable
$750,000 and above Not applicable Not applicable 3.74% pa
Not applicable
Reference Rate(iv)
Line of Credit Reference Rate
Line of Credit Reference Rate
Interest Only

Effective 14 October 2019

Loan type Principal and Interest Interest Only
  (LVR < 90% + LMI) (LVR < 80% including LMI)
  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
4.50% pa 4.55% pa 4.52% pa
2 Year Fixed Rate 2.89% pa
4.25% pa 4.23% pa 4.47% pa
3 Year Fixed Rate 3.13% pa
4.19% pa 4.33% pa 4.48% pa
5 Year Fixed Rate 3.34% pa
4.10% pa 5.23% pa 4.82% pa


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 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. 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.

 

AMP First Home Loan owner occupied new business rates & fees

The AMP First Home Loan is a special offer only available to AMP shareholders and AMP employees 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 11 October 2019

 Loan type Principal and Interest  Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan 3.09% pa
3.09% pa 3.39% pa 3.21% pa
Reference Rate(iii)
AMP First Reference Rate AMP First Reference Rate
Interest Only
Line of Credit Not applicable Not applicable 3.59% pa
Not applicable
Reference Rate(iii) AMP First Line Of Credit Reference Rate AMP First Line Of Credit Reference Rate
Interest Only

Effective 14 October 2019

Loan type Principal and Interest Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rates        
1 Year Fixed Rate 4.15% pa 3.19% pa 4.15% pa 3.19% pa
2 Year Fixed Rate 2.89% pa 3.06% pa 4.19% pa 3.28% pa
3 Year Fixed Rate 3.13% pa 3.10% pa 4.21% pa 3.37% pa
5 Year Fixed Rate 3.34% pa 3.19% pa 4.62% pa 3.69% 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

 

 

Affinity Package new business rates & fees

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

Owner Occupied

Effective 11 October 2019

 Loan type Principal and Interest  Interest Only
  (LVR < 90% + LMI) (LVR < 80% including LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan(iii)        
$100,000 to $249,999 4.12% pa
4.17% pa 4.52% pa 4.32% pa
$250,000 to $499,999 3.14% pa
3.19% pa 4.60% pa 3.75% pa
$500,000 to $749,999 3.14% pa
3.19% pa 3.94% pa 3.49% pa
$750,000 and above 3.14% pa
3.19% pa 3.54% pa 3.34% 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 4.72% pa Not applicable
$250,000 to $499,999 Not applicable Not applicable 4.80% pa
Not applicable
$500,000 to $749,999 Not applicable Not applicable 4.14% pa Not applicable
$750,000 and above Not applicable Not applicable 3.74% pa
Not applicable
Reference Rate(iv)
Line of Credit Reference Rate
Line of Credit Reference Rate
Interest Only

Effective 14 October 2019

Loan type Principal and Interest Interest Only
  (LVR < 90% + LMI) (LVR < 80% including LMI)
  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
4.18% pa 4.55% pa 4.21% pa
2 Year Fixed Rate 2.89% pa
3.95% pa 4.23% pa 4.19% pa
3 Year Fixed Rate 3.13% pa
3.91% pa 4.33% pa 4.22% pa
5 Year Fixed Rate 3.34% pa 3.85% pa 5.23% pa 4.61% 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 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.

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

The Settlement Fee is $349. 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.

 

Investment loans

Professional Package investment new business rates & fees

Effective 11 October 2019

 Loan type  Principal and Interest  Interest Only
  (Max LVR 90% + LMI) (Max LVR 80% incl LMI)
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
Variable rate loan (Investment) (iii)
$100,000 to $249,999
4.79% pa
5.16% pa
4.54% pa
5.03% pa
$250,000 to $499,999
3.86% pa
4.25% pa
3.94% pa
4.24% pa
$500,000 to $749,999 3.54% pa 3.93% pa 3.84% pa 4.01% pa
$750,000 and above 3.49% pa 3.88% pa 3.64% pa 3.90% pa
Reference Rate(iv) Standard Reference Rate
Investment
Standard Reference Rate
Interest Only Investment
Line of Credit (Investment) (iii)
$100,000 to $249,999 Not applicable Not applicable 4.74% pa Not applicable
$250,000 to $499,999 Not applicable Not applicable 4.14% pa Not applicable
$500,000 to $749,999 Not applicable Not applicable 4.04% pa Not applicable
$750,000 and above Not applicable Not applicable 3.84% pa Not applicable
Reference Rate(iv) Line Of Credit Reference Rate
Investment
Line Of Credit Reference Rate
Interest Only Investment


Effective 9 August 2019

 Loan type  Principal and Interest  Interest Only
  (Max LVR 90% + LMI) (Max LVR 80% incl LMI)
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
Fixed rates (Investment)
$100,000 and above

1 year fixed rate 4.64% pa
5.12% pa
4.84% pa
5.13% pa
2 year fixed rate 3.42% pa
4.86% pa
3.64% pa
4.89% pa
3 year fixed rate 3.42% pa
4.73% pa
3.64% pa
4.78% pa
5 year fixed rate 3.58% pa
4.56% pa
3.88% pa
4.67% pa

 

Professional Package Lines of Credit

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. 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.

Basic Package investment new business rates & fees

 
Effective 11 October 2019
 
Loan type Principal and Interest   Interest Only
  (Max LVR 90% + LMI) (Max LVR 80% incl LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan        
Basic variable rate loan(iii) 3.93% pa 3.98% pa 4.19% pa 4.08% pa
Reference Rate(iv) Basic Reference Rate
Investment
  Basic Reference Rate
Interest Only Investment
 

Effective 8 March 2019

Loan type  Principal and Interest
 (Max LVR 90% + LMI)
Interest Only
(Max LVR 80% incl LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rate loans        
Basic 1 year fixed rate (Investment) 4.64% pa 4.05% pa 4.84% pa 4.06% pa
Basic 2 year fixed rate (Investment) 4.57% pa 4.09% pa 4.77% pa 4.13% pa
Basic 3 year fixed rate (Investment) 3.99% pa 3.99% pa 5.07% pa 4.27% pa
Basic 5 year fixed rate (Investment) 5.18% pa 4.50% pa 5.38% pa 4.56% 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)

Rates and fees for investors

Effective 11 October 2019

Loan type    Principal and Interest
 (Max LVR 90% + LMI)
  Interest rate(i) Comparison rate(ii)
AMP Essential Home Loan (Investment)(iii)    
$40,000 to $99,999 4.84% pa  4.87% pa
$100,000 and above 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.

Classic Club investment new business rates & fees

Effective 11 October 2019

Loan type  Principal and Interest  Interest Only
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
Variable rate loan (Investment)
(LVR <80% including LMI)
Introductory Classic variable rate loan(iii) 5.19% pa 6.14% pa 5.24% pa 6.14% pa
Classic variable rate loan 6.19% pa 6.24% pa 6.24% pa 6.26% pa
Reference Rate(iv) Standard Reference Rate
Investment
Standard Reference Rate
Interest Only Investment
Line of credit (Investment)
(LVR <80% including LMI)
Classic line of credit 6.44% pa Not applicable
  Line Of Credit Reference Rate
Investment
Line Of Credit Reference Rate
Interest Only Investment


Effective 29 May 2017

Loan type  Principal and Interest  Interest Only
   Interest rate(i) Comparison rate(ii)  Interest rate(i) Comparison rate(ii)
Fixed rate loan (investment)
(LVR <80% including LMI)
1 year fixed rate 5.17% pa 6.14% pa 5.37% pa 6.16% pa
2 year fixed rate 5.17% pa 6.04% pa 5.37% pa 6.08% pa
3 year fixed rate 5.17% pa 5.95% pa 5.37% pa 6.01% pa
5 year fixed rate 5.61% pa 5.99% pa 5.81% pa 6.08% pa


Effective 16 February 2017

Line of credit (credit balances)  Principal and Interest  Interest Only
   Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
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. The Settlement fee of $349 applies to all home loans listed 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) Available for new loans with a single, investment security 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.

Construction Loan investment new business rates and fees

Effective 11 October 2019
Loan type Principal and Interest   Interest Only
(Max LVR 80% incl LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Construction Loan(iii) Not applicable Not applicable 6.64% pa 6.30% pa
Reference Rate(iv) Standard Reference Rate
Investment
  Standard Reference Rate
Interest Only Investment
 

A Settlement fee of $349 applies. An ongoing fee of $20 each month applies to this loan. Other fees and charges apply. Full details are available in our Home loan fees and charges guide.

(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. Comparison rates for construction loans are based on an initial 1 year interest only period with interest payable at the construction rate and a subsequent 24 year principal and interest period with interest payable at the Classic variable rate.
(iii) Rate is for new loans only and subject to change.
(iii) 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.

 

Land Loan investment new business rates & fees

Effective 11 October 2019
 Loan type Principal and Interest   Interest Only
(Max LVR 80% incl LMI)
  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 11 October 2019

 Loan type Principal and Interest  Interest Only
  (LVR <90%+ LMI) (LVR <80% including LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan(iii)        
$100,000 to $249,999 4.79% pa
5.17% pa 4.54% pa 5.03% pa
$250,000 to $499,999 3.86% pa
4.25% pa 3.94% pa 4.24% pa
$500,000 to $749,999 3.54% pa
3.94% pa 3.84% pa 4.01% pa
$750,000 and above 3.49% pa
3.89% pa 3.64% pa 3.91% pa
Reference Rate(iv) Standard Reference Rate
Investment
Standard Reference Rate
Interest Only Investment
Line of Credit(iii)        
$100,000 to $249,999 Not applicable Not applicable 4.74% pa
Not applicable
$250,000 to $499,999 Not applicable Not applicable 4.14% pa
Not applicable
$500,000 to $749,999 Not applicable Not applicable 4.04% pa
Not applicable
$750,000 and above Not applicable Not applicable 3.84% pa
Not applicable
Reference Rate(iv)
Line Of Credit Reference Rate
Investment
Line of Credit Reference Rate
Interest Only Investment

Effective 9 August 2019

Loan type Principal and Interest Interest Only
  (LVR <90%+ LMI) (LVR <80% including LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rates $100,000 and above        
1 Year Fixed Rate 4.64% pa 5.13% pa 4.84% pa 5.14% pa
2 Year Fixed Rate 3.42% pa 4.87% pa 3.64% pa 4.90% pa
3 Year Fixed Rate 3.42% pa 4.74% pa 3.64% pa 4.79% pa
5 Year Fixed Rate 3.58% pa 4.57% pa 3.88% pa 4.68% pa

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.

 

AMP First Investment Home Loan new business interest rates & fees

The AMP First Home Loan is a special offer only available to AMP shareholders and AMP employees 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

Effective11 October 2019

 Loan type Principal and Interest  Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan 3.39% pa
3.39% pa 3.59% pa 3.47% pa
Reference Rate(iii)
AMP First Reference Rate
Investment
AMP First Reference Rate
Interest Only Investment
Line of Credit Not applicable Not applicable 3.79% 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 9 August 2019

Loan type Principal and Interest Interest Only
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rates        
1 Year Fixed Rate 4.54% pa 3.50% pa 4.54% pa 3.50% pa
2 Year Fixed Rate 3.29% pa 3.38% pa 3.59% pa 3.43% pa
3 Year Fixed Rate 3.42% pa 3.40% pa 3.64% pa 3.45% pa
5 Year Fixed Rate 3.58% pa 3.47% pa 3.88% pa 3.58% 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

 

 

Affinity Package Investment new business rates & fees

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

Investment

Effective 11 October 2019

 Loan type Principal and Interest  Interest Only
  (LVR < 90% + LMI) (LVR <80% including LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Variable rate loan(iii)        
$100,000 to $249,999 4.79% pa
4.84% pa 4.54% pa 4.74% pa
$250,000 to $499,999 3.86% pa
3.91% pa 3.94% pa 3.94% pa
$500,000 to $749,999 3.54% pa
3.59% pa 3.84% pa 3.70% pa
$750,000 and above 3.49% pa
3.54% pa 3.64% pa 3.59% pa
Reference Rate(iv) Standard Reference Rate
Investment
Standard Reference Rate
Interest Only Investment
Line of Credit(iii)        
$100,000 to $249,999 Not applicable Not applicable 4.74% pa
Not applicable
$250,000 to $499,999 Not applicable Not applicable 4.14% pa
Not applicable
$500,000 to $749,999 Not applicable Not applicable 4.04% pa
Not applicable
$750,000 and above Not applicable Not applicable 3.84% pa
Not applicable
Reference Rate(iv)
Line Of Credit Reference Rate
Investment
Line of Credit Reference Rate
Interest Only Investment

Effective 9 August 2019

Loan type Principal and Interest Interest Only
  (LVR < 90% + LMI) (LVR <80% including LMI)
  Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rates $100,000 and above        
1 Year Fixed Rate 4.64% pa 4.83% pa 4.84% pa 4.84% pa
2 Year Fixed Rate 3.42% pa 4.59% pa 3.64% pa 4.63% pa
3 Year Fixed Rate 3.42% pa 4.48% pa 3.64% pa 4.54% pa
5 Year Fixed Rate 3.58% pa 4.34% pa 3.88% pa 4.48% 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 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.

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

The Settlement Fee is $349. 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.

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