Featured rates

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Features and benefits

Offset accounts

Reduce interest payable on your home loan with access to variable loan offset accounts.

Fixed rate option

Your choice of variable or fixed rates, or a combination of both.

Flexibility to split loan

Tailor your loan to suit your needs by dividing it into manageable portions, allowing you to achieve your goals more effectively.

Choice with repayments

Make unlimited extra repayments on variable rate loans, up to $10,000 a year on fixed rate loans, or up to $10,000 a year on each fixed rate portion of any split loans.

Hassle-free, with fast approval times

We validate your application in real-time and if eligible, you can get approval within hours.*

Redraw

Request to redraw money you’ve paid above your minimum repayments with variable loans, depending on your loan type.

Getting a home loan online is convenient and hassle-free

Have more control over your application and if eligible, you can get approval within hours of submission.*

To apply online you’ll need to be:

✓ 18 years or older, and an Australian permanent resident 
✓ Applying individually or as a married / de facto couple
✓ Earning a PAYG salary, or self-employed and trading for at least 2 years as a Sole Trader, Partnership or Company
✓ Borrowing 80% or less of the property’s value, with a loan between $250,000 and $2 million

Please note: The option for a construction loan or pre-approved lending limit to borrow against equity are not available through our online application process.

Unsure whether you’re eligible? Contact a loan specialist

 

How our online application works

  1. Tell us about your property to see how much you can borrow and what your loan repayments will be.
  2. Use automated assessment tools to verify your income and expenses and check your credit history.
  3. When refinancing a loan, you can get unconditional approval within an hour.* 

    When you're buying, we aim to give you conditional approval within 24-48 hours of receiving your application.*

Have questions about our online application? See our FAQs

Owner occupied rates

Variable interest rates

Effective 

Loan type    Principal and Interest Interest Only
  LVR Interest rate(i) Comparison rate(ii) Interest rate(i)
 Comparison rate(ii)
Variable rate loan (Owner Occupied) (iii)    
$1,000,000 and above
 LVR ≤60% % pa % pa % pa
 % pa
LVR ≤80% % pa % pa % pa % pa
LVR <90% + LMI % pa % pa n/a
 n/a
$500,000 to less than $1,000,000 LVR ≤60% % pa % pa % pa % pa
LVR ≤80% % pa % pa % pa % pa
LVR ≤90% + LMI % pa % pa n/a
 n/a
$100,000 to less than $500,000 LVR ≤60% % pa % pa % pa % pa
LVR ≤80% % pa % pa % pa % pa
LVR ≤90% + LMI % pa % pa n/a
 n/a
Construction          
$500,000 and above LVR ≤90% + LMI n/a
 n/a
 % pa % pa
$100,000 to less than $500,000 LVR ≤90%  + LMI n/a
 n/a
 % pa % pa
Reference Rate(iv)   Standard Reference Rate Standard Reference Rate Interest Only
Line of credit(iii) 
$1,000,000 and above LVR ≤80% n/a
 n/a
 % pa % pa
$500,000 to less than $1,000,000 LVR ≤80% n/a
 n/a
 % pa % pa
$100,000 to less than $500,000 LVR ≤80% n/a
 n/a
 % pa % pa
Reference Rate(iv)   Line Of Credit Reference Rate Line of Credit Reference Rate Interest Only

 

Fixed interest rates


Effective 

Loan type     Principal and Interest  Interest Only
  LVR Interest rate(i) Comparison rate(ii) Interest rate(i) Comparison rate(ii)
Fixed rates (Owner Occupied) $100,000 and above
1 year fixed rate LVR ≤80% % pa
 % pa
 % pa
 % pa
LVR ≤90% + LMI % pa % pa n/a
 n/a
2 year fixed rate LVR ≤80% % pa
 % pa
 % pa
 % pa
LVR ≤90% + LMI % pa % pa n/a
 n/a
3 year fixed rate LVR ≤80% % pa
 % pa
 % pa
 % pa
LVR ≤90% + LMI % pa % pa n/a
 n/a
5 year fixed rate LVR ≤80% % pa
 % pa
 % pa
 % pa
LVR ≤90% + LMI % pa % pa n/a
 n/a

Investment rates

Variable interest rates

Effective 

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)
$1,000,000 and above LVR ≤60% % pa % pa % pa % pa
LVR ≤80% % pa % pa % pa % pa
LVR ≤90%
 % pa % pa n/a
 n/a
$500,000 to less than $1,000,000
 LVR ≤60% % pa
 % pa
 % pa
 % pa
LVR ≤80% % pa
 % pa
 % pa % pa
LVR <90%  % pa
 % pa
 n/a
 n/a
$100,000 to less than $500,000 LVR ≤60% % pa % pa % pa % pa
LVR ≤80% % pa % pa % pa
 % pa
LVR ≤90% % pa % pa n/a
 n/a
Construction      
$500,000 and above  LVR ≤60% n/a
 n/a
 % pa
 % pa
LVR ≤90% n/a
 n/a
 % pa % pa
$100,000 to less than $500,000 LVR ≤90%

 n/a
 n/a
 % pa % pa
Reference Rate(iv)   Standard Reference Rate Investment Standard Reference Rate Interest Only Investment
Line of Credit (Investment) (iii)
$1,000,000 and above LVR ≤60% n/a
 n/a
 % pa
 % pa
LVR ≤80% n/a
 n/a
 % pa % pa
$500,000 to less than $1,000,000 LVR ≤60% n/a
 n/a
 % pa % pa
LVR ≤80% n/a
 n/a
 % pa % pa
$100,000 to less than $500,000 LVR ≤80% n/a
 n/a
 % pa
 % pa
Reference Rate(iv)   Line Of Credit Reference Rate Investment Line Of Credit Reference Rate Interest Only Investment
 

Fixed interest rates


Effective 

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% % pa
 % pa
 % pa
 % pa
LVR ≤90% % pa
 % pa
 n/a
 n/a
2 year fixed rate LVR ≤80% % pa
 % pa
 % pa % pa
LVR ≤90% % pa
 % pa
 n/a
 n/a
3 year fixed rate LVR ≤80% % pa
 % pa
 % pa
 % pa
LVR ≤90% % pa
 % pa
 n/a
 n/a
5 year fixed rate LVR ≤80% % pa
 % pa
 % pa
 % pa
LVR ≤90%  % pa
 % pa
 n/a
 n/a

Explore our home loan calculators

Discover your borrowing power

See how much you could borrow based on your income and expenses.

Estimate your loan repayments

Get a clear idea of your monthly repayments and ways to reduce your interest.

Home loan refinance calculator

Enter your current loan details to see how much you could save by refinancing.

Fees

Application fee $0
Valuation fee3 $0
Settlement fee $0
Monthly fee $0
Annual fee $349
Redraw fee $0

Other up-front fees apply, such as our solicitor’s fee and government-imposed fees which include stamp duty, mortgage registration fee, and title transfer fee. These are illustrated in our Fees & Charges guide. An estimate will be provided in the digital application form.

Calculate an estimate of stamp duty and other government fees.

Support at your fingertips

If you need assistance or have any questions, provide your details and one of our home loan specialists in Australia will get in touch.

Book an appointment →

Request a call back →

New Home Loan enquiries

Call: 1300 534 325

Email: direct_lending@ampbanking.com.au

Mon - Fri 9am - 6pm Sydney time

All other  Home Loan enquiries

Call: 13 30 30

Email: info@ampbanking.com.au

Mon - Fri  8am - 8pm
Sat & Sun 9am - 5pm Sydney time

Ready to take the next step?
We’ve simplified the application process, whether you’re after the convenience of an online, digital experience or the support of a specialist.
Apply online Speak to a loan specialist

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. Full details are available in the Fees and charges guide.

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

1 Owner Occupied Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and is subject to change.

2 Investment Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and is subject to change.

3 Valuation fee is free up to the value of $550.


(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.

*In many cases a conditional approval will be provided immediately after submission. The time to receive a full unconditional approval will vary. Where only identification is required, an immediate response to our SMS to complete this could result in an unconditional approval within an hour. Unconditional approval could take longer if we need to seek clarifications from you, or if we need to undertake an inspection of your property. The speed of response is also dependant on the time a second applicant takes to confirm their application details, and for all applicants to complete the biometric ID check. Most metro postcodes and many regional postcodes are eligible. Ineligible postcodes are likely in remote or higher risk areas. You will be told early in the application form if your postcode is ineligible.