Our range of products

  • Professional Package Home Loan

    Tailor your loan with the features you need

    Effective 02/11/2021 2.24% pa
    Owner Occupied variable rate loan1
    2.66% pa

    Comparison rate2

    This product includes

    • Choose between a variable or fixed interest rate – or a split between the two, or line of credit
    • 100% loan offset account with variable rate loan
    • A pre-approved lending limit to borrow against equity
    • Unlimited redraw available on variable and LoC
    • Unlimited additional repayments for variable and LoC (up to $10k per annum for fixed)
    • Visa Debit cards
    • No settlement fee
    • Flexible repayment options (W, F, M) for P&I loans
    • Free variations (product switch, increase, partial discharge etc)
    • Ability to build or renovate with construction loan interest only period
    Terms and conditions
  • Basic Package Home Loan

    Choose a fixed or variable rate or split the difference.

    Effective 26/07/2021 2.49% pa
    Owner Occupied variable rate loan3
    2.52% pa

    Comparison rate2

    This product includes

    • Choose between a fixed or variable interest rate―or a split between the two
    • Unlimited redraw available on variable
    • Unlimited additional repayments for variable (up to $10k per annum for fixed)
    • Available with 100% offset with variable rate loan for a monthly fee
    • Settlement fee is waived
    • Flexible repayment options (W, F, M) for P&I loans
    • Ability to build or renovate with construction loan interest only period

    This product does not include

    • Visa Debit cards
    • A pre-approved lending limit to borrow against equity
    Terms and conditions
  • AMP Essential Home Loan

    Own your home sooner with essential features

    Effective 25/08/2021 2.22% pa
    Owner Occupied variable rate loan4
    2.25% pa

    Comparison rate2

    This product includes

    • Ongoing competitive variable interest rate
    • No monthly or annual account fees or settlement fee
    • Redraw or make additional repayments at any time
    • Flexible repayment options (W, F, M)
    • No settlement fee

    This product does not include

    • Fixed rate options
    • Interest Only options
    • 100% offset
    • Visa Debit cards
    • A pre-approved lending limit to borrow against equity
    • Ability to build or renovate with construction loan interest only period
    Terms and conditions

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What you need to know

1$100,000 and above, LVR >60% & ≤ 80%^, P&I repayments. Other rates apply for investment property loans. Rate is for new loans only and are subject to change.

2The 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.

3 $40,000 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.

4 $100,000 and above, LVR ≤ 80%^, P&I repayments. Other rates apply for Investment property loans. Rate is for new loans only and are subject to change.

^ LMI - Lenders Mortgage Insurance (LMI) may apply. You may be able to capitalise your LMI premium to the loan up to an LVR of 80%. Lending terms and conditions apply.

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.

The credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian Credit Licence 234517. Approval is subject to AMP Bank guidelines.

Information including interest rates is correct as at 2 November 2021 and is subject to change without notice. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges are payable.