Two year fixed-term rates from

Select from a range of options and tailor your loan to your needs. Find out more →

1.84% pa1        2.63% pa2
fixed rate                          comparison rate

Our range of products

  • Professional Package Home Loan

    Tailor your loan with the features you need

    • Select a competitive variable rate, fixed rate or line of credit
    • Split your loan between up to 10 sub-accounts
    • Benefit from 100% loan offset account with variable rate loan
    Terms and conditions
  • Basic Package Home Loan

    Choose a fixed or variable rate or split the difference.

    • Easy access to your money with redraw or make additional repayments anytime
    • Optional Offset Deposit Account with basic variable rate loan
    • True flexibility with up to 10 account splits at fixed or variable rates
    Terms and conditions
  • AMP Essential Home Loan

    Own your home sooner with essential features

    • Competitive variable rate
    • Additional repayments anytime
    • No settlement fee
    Terms and conditions

Talk to a home loans expert today

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 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 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

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 25 August 2021 and is subject to change without notice. Terms and conditions apply and are available at or 13 30 30. Fees and charges are payable.

1Owner Occupied 2 year fixed rate loans, $100,000 and above, LVR ≤ 80%^, & P&I repayments. Other rates apply for owner occupied with different fixed rate terms and all fixed rate investment property loans. Rate is 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, or cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

3 Special $3,000 cashback for a limited time (Offer) is only available for new refinance home loan applications received between 1 September 2021 and 30 September 2021 (inclusive) which settle by 22 December 2021.

This Offer is open to Australian residents aged 18 and over who are refinancing an existing home loan they have with another lender to AMP Bank. 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. Min Loan amount $500k and LVR must be equal to or less than 80% (LMI may apply).

This Offer is available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments).

The Offer is not available for the refinance, restructure or switches of home loans within AMP Bank.

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, AMP Bett3r 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 1 September 2021. 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.