Interest rates & fees
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Find out moreOwner Occupied loans
Effective 24 October 2018
| 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 | 4.57% pa | 4.94% pa | 5.28% pa | 5.20% pa |
| $250,000 to $499,999 | 4.07% pa | 4.45% pa | 5.05% pa | 4.81% pa |
| $500,000 to $749,999 | 3.74% pa | 4.13% pa | 4.39% pa | 4.34% pa |
| $750,000 and above | 3.69% pa | 4.08% pa | 4.04% pa | 4.17% 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 | 5.48% pa | Not applicable |
| $250,000 to $499,999 | Not applicable | Not applicable | 5.25% pa | Not applicable |
| $500,000 to $749,999 | Not applicable | Not applicable | 4.59% pa | Not applicable |
| $750,000 and above | Not applicable | Not applicable | 4.24% pa | Not applicable |
| Reference Rate(iv) | Line of Credit Reference Rate |
Line of Credit Reference Rate Interest Only |
||
Effective 14 November 2018
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| 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 | 4.89% pa | 4.55% pa | 4.91% pa |
| 2 Year Fixed Rate | 3.75% pa | 4.75% pa | 4.63% pa | 4.90% pa |
| 3 Year Fixed Rate | 3.85% pa | 4.69% pa | 4.79% pa | 4.92% pa |
| 5 Year Fixed Rate | 4.93% pa | 4.99% pa | 5.23% pa | 5.08% pa |
Professional 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. The Establishment fee of $350 will be waived for all applications with a loan-to-value ratio of 90% or less. 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. An Application fee of $350 and a Settlement fee of $250 are both currently waived.
(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.
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.
| 3.85% pa | 4.22% pa |
| 4.05% pa | Not applicable |
| 4.05% pa | Not applicable |
Effective 13 July 2018
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan | ||||
| Basic variable rate loan(iii) | 4.13% pa | 4.17% pa | 4.73% pa | 4.41% pa |
| Reference Rate(iv) | Basic Reference Rate | Basic 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 rate loans | ||||
| Basic 1 year fixed rate | 4.25% pa | 4.18% pa | 4.55% pa | 4.21% pa |
| Basic 2 year fixed rate | 4.33% pa | 4.21% pa | 4.63% pa | 4.26% pa |
| Basic 3 year fixed rate | 4.49% pa | 4.27% pa | 4.79% pa | 4.34% pa |
| Basic 5 year fixed rate | 4.93% pa | 4.50% pa | 5.23% pa | 4.61% pa |
The Establishment fee of $350 is waived for all applications with a LVR of 90% or less.
(i) Rates are subject to change. Fees and charges are payable. Terms and conditions apply and are available on request. 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.
| Interest rate(i) |
| Interest rate(i) |
AMP Essential Home Loan (owner occupied)
Effective 9 November 2018
| Loan type | Principal and Interest | |
|---|---|---|
| Interest rate(i) | Comparison rate(ii) | |
| AMP Essential Home Loan(iii) (LVR < 90% + LMI) |
||
| $40,000 to $99,999 | 4.70% pa | 4.73% pa |
| $100,000 and above | 4.04% pa | 4.07% pa |
| Reference Rate(iv) | Basic Reference Rate | |
| Variable rate loan special(v) $100,000 and above and LVR < 65% incl LMI |
3.69% pa |
3.72% pa |
The standard Establishment fee of $350 and Settlement fee of $250 are both currently waived.
(i) Rates are subject to change. Special Offer for a limited time only. AMP Bank reserves the right to withdraw at any time.
(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.
(v) Special Offer for a limited time only. AMP Bank reserves the right to withdraw at any time.
Fees and charges are payable. Terms and Conditions apply and are available on request. Approval is subject to AMP Bank guidelines.
Effective 13 July 2018
| 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) | 4.58% pa | 5.66% pa | 5.18% pa | 5.72% pa |
| Classic variable rate loan | 5.58% pa | 5.76% pa | 6.18% pa | 6.00% pa |
| Reference Rate(iv) | Standard Reference Rate | Standard Reference Rate Interest Only |
||
| Line of credit | ||||
| Classic line of credit | 6.38% 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 | 5.66% pa | 4.90% pa | 5.69% pa |
| 2 year fixed rate | 4.60% pa | 5.57% pa | 4.90% pa | 5.62% pa |
| 3 year fixed rate | 4.60% pa | 5.49% pa | 4.90% pa | 5.57% pa |
| 5 year fixed rate | 5.04% pa | 5.53% pa | 5.34% pa | 5.64% 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 Establishment fee of $350 and settlement fee of $250 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.
Effective 13 July 2018
| Loan type | Prinicpal and Interest | Interest Only | ||
|---|---|---|---|---|
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Construction Loan |
Not applicable |
Not applicable | 6.40% pa |
5.84% pa |
| Reference Rate(iii) | Standard Reference Rate | Standard Reference Rate Interest Only |
||
An Establishment fee of $350 and a Settlement fee of $250 applies. A fee of $100 is applied at the time of each progress payment. An ongoing fee of $10 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) 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) View a full list of Reference Rates and their values.
Effective 13 July 2018
| Loan type | Prinicpal and Interest | Interest Only | ||
|---|---|---|---|---|
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Land Loan |
5.58% pa |
5.65% pa |
6.30% pa |
5.95% pa |
| Reference Rate(iii) | Standard Reference Rate | Standard Reference Rate Interest Only |
||
An Establishment fee of $350 and a Settlement fee of $250 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) 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.
The Select Package is a special offer only available to eligible corporate super members and AMP Limited shareholders.
Owner Occupied
Effective 24 October 2018
| 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 | 4.57% pa | 4.95% pa | 4.97% pa | 5.08% pa |
| $250,000 to $499,999 | 4.07% pa | 4.46% pa | 5.05% pa | 4.81% pa |
| $500,000 to $749,999 | 3.74% pa | 4.14% pa | 4.39% pa | 4.35% pa |
| $750,000 and above | 3.69% pa | 4.09% pa | 4.04% pa | 4.18% 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 | 5.17% pa | Not applicable |
| $250,000 to $499,999 | Not applicable | Not applicable | 5.25% pa | Not applicable |
| $500,000 to $749,999 | Not applicable | Not applicable | 4.59% pa | Not applicable |
| $750,000 and above | Not applicable | Not applicable | 4.24% pa | Not applicable |
| Reference Rate(iv) | Line Of Credit Reference Rate | Line Of Credit Reference Rate Interest Only |
||
Effective 14 November 2018
| 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 | 4.90% pa | 4.55% pa | 4.92% pa |
| 2 Year Fixed Rate | 3.75% pa | 4.76% pa | 4.63% pa | 4.90% pa |
| 3 Year Fixed Rate | 3.85% pa | 4.70% pa | 4.79% pa | 4.93% pa |
| 5 Year Fixed Rate | 4.93% pa | 5.00% pa | 5.23% pa | 5.09% 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 $350 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) 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.
| 3.89% pa | 4.28% pa |
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 13 October 2017
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan | 3.69% pa | 3.69% pa | 3.89% pa | 3.77% pa |
| Reference Rate(iii) | AMP First Reference Rate | AMP First Reference Rate Interest Only |
||
| Line of Credit | Not applicable | Not applicable | 4.09% pa | Not applicable |
| Reference Rate(iii) | AMP First Line Of Credit Reference Rate | AMP First Line Of Credit Reference Rate Interest Only |
||
Effective 14 November 2018
| Loan type | Prinicipal 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 | 3.73% pa | 4.15% pa | 3.73% pa |
| 2 Year Fixed Rate | 3.75% pa | 3.70% pa | 4.19% pa | 3.78% pa |
| 3 Year Fixed Rate | 3.85% pa | 3.73% pa | 4.21% pa | 3.82% pa |
| 5 Year Fixed Rate | 4.62% pa | 4.07% pa | 4.62% pa | 4.06% 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 | n/a | 0.00% pa | n/a |
| From $20,000 and over | 0.25% pa | n/a | 0.25% pa | n/a |
(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.
Home Loan Key Facts Sheet
A Home Loan Key Facts Sheet provides you with information on standard home loans to enable you to compare similar loans from different lenders. The layout and contents of the Key Facts Sheet is a standard format to make the comparisons easy.
The Key Facts Sheet contains key facts about a standard home loan and includes the interest rates and standard fees, the cost of the loan, repayments and even how your repayments can be impacted by a change to interest rates.
Generating a Key Facts Sheet for the AMP First Home Loan
To generate a Key Facts Sheet you will need to access the Key Facts Sheet tool and enter the following information:
- loan amount
- term of Loan (maximum 30 years)
- interest type (Fixed or Variable)
- select the applicable loan from the dropdown list.
Once you have entered this information, select the Go button and the Key Facts Sheet will be displayed on your screen. You can choose to print or download the Key Facts Sheet. If you need to change any of the details, you can select the Change loan details button and start again.
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) |
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) |
Investment loans
Effective 10 December 2018
| 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 (Investment) |
||||
| $100,000 to $249,999 | 5.24% pa | 5.60% pa | 4.99% pa | 5.47% pa |
| $250,000 to $499,999 | 4.31% pa | 4.69% pa | 4.39% pa | 4.68% pa |
| $500,000 to $749,999 | 3.99% pa | 4.37% pa | 4.39% pa | 4.49% pa |
| $750,000 and above | 3.99% pa | 4.37% pa | 4.39% pa | 4.49% 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 | 5.19% pa | Not applicable |
| $250,000 to $499,999 | Not applicable | Not applicable | 4.59% pa | Not applicable |
| $500,000 to $749,999 | Not applicable | Not applicable | 4.59% pa | Not applicable |
| $750,000 and above | Not applicable | Not applicable | 4.59% pa | Not applicable |
| Reference Rate(iv) | Line Of Credit Reference Rate Investment |
Line of Credit Reference Rate Interest Only Investment |
||
Effective 30 March 2018
| 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 (Investment) $100,000 and above |
||||
| 1 Year Fixed Rate | 4.64% pa | 5.52% pa | 4.84% pa | 5.53% pa |
| 2 Year Fixed Rate | 4.57% pa | 5.43% pa | 4.77% pa | 5.46% pa |
| 3 Year Fixed Rate | 4.87% pa | 5.43% pa | 4.49% pa | 5.32% pa |
| 5 Year Fixed Rate | 5.18% pa | 5.47% pa | 5.38% pa | 5.53% 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 | 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. The Establishment fee of $350 will be waived for all applications with a loan-to-value ratio of 90% or less. 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. An Application fee of $350 and a Settlement fee of $250 are both currently waived.
(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.
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.
| 4.34% pa | 4.70% pa |
| 4.34% pa | 4.70% pa |
| 4.54% pa | Not applicable |
| 4.57% pa | 4.84% pa |
Effective 24 September 2018
| Loan type | Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan (LVR <80% including LMI) |
||||
| Basic variable rate loan (Investment)(iii) | 4.38% pa | 4.42% pa | 4.64% pa | 4.52% pa |
| Reference Rate(iv) | Basic Reference Rate Investment |
Basic Reference Rate Interest Only Investment |
||
Effective 29 May 2017
| Loan type | Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
| Fixed rate loans (LVR <80% including LMI) |
||||
| Basic 1 year fixed rate (Investment) | 4.64% pa | 4.45% pa | 4.84% pa | 4.47% pa |
| Basic 2 year fixed rate (Investment) | 4.57% pa | 4.46% pa | 4.77% pa | 4.49% pa |
| Basic 3 year fixed rate (Investment) | 4.87% pa | 4.55% pa | 5.07% pa | 4.60% pa |
| Basic 5 year fixed rate (Investment) | 5.18% pa | 4.76% pa | 5.38% pa | 4.82% pa |
The Establishment fee of $350 is waived for all applications with a LVR of 80% or less.
(i) Rates are subject to change. Fees and charges are payable. Terms and conditions apply and are available on request. 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)
Effective 13 July 2018
| Loan type | Interest rate(i) | Comparison rate(ii) |
|---|---|---|
| AMP Essential Home Loam (Investment)(iii) (LVR < 80% including LMI) |
||
| $40,000 to $99,999 | 5.29% pa | 5.32% pa |
| $100,000 and above | 5.29% pa | 5.32% pa |
| Reference Rate(iv) | Basic Reference Rate Investment | |
The standard Establishment fee of $350 and Settlement fee of $250 are both currently waived.
(i) Rates are subject to change. Special Offer for a limited time only. AMP Bank reserves the right to withdraw at any time.
(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 and are available on request. Approval is subject to AMP Bank guidelines.
Effective 13 July 2018
| 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 | 5.64% pa | 6.71% pa | 5.69% pa | 6.71% pa |
| Classic variable rate loan | 6.64% pa | 6.82% pa | 6.69% pa | 6.83% pa |
| Reference Rate(iii) | Standard Reference Rate Investment |
Standard Reference Rate Interest Only Investment |
||
| Line of credit (Investment) (LVR <80% including LMI) |
||||
| Classic line of credit | 6.89% pa | Not applicable | ||
| Reference Rate(iii) | 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 | 6.66% pa | 5.37% pa | 6.68% pa |
| 2 year fixed rate | 5.17% pa | 6.52% pa | 5.37% pa | 6.56% pa |
| 3 year fixed rate | 5.17% pa | 6.40% pa | 5.37% pa | 6.45% pa |
| 5 year fixed rate | 5.61% pa | 6.36% pa | 5.81% pa | 6.45% 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 Establishment fee of $350 and settlement fee of $250 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) View a full list of Reference Rates and their values.
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.
| 0.00% pa | Not applicable |
Effective 13 July 2018
| Loan type | Prinicpal and Interest | Interest Only | ||
|---|---|---|---|---|
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Construction Loan |
Not applicable |
Not applicable | 7.09% pa |
6.86% pa |
| Reference Rate(iii) | Standard Reference Rate Investment |
Standard Reference Rate Interest Only Investment |
||
An Establishment fee of $350 and a Settlement fee of $250 applies. A fee of $100 is applied at the time of each progress payment. An ongoing fee of $10 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) 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) View a full list of Reference Rates and their values.
Effective 13 July 2018
| Loan type | Prinicpal and Interest | Interest Only | ||
|---|---|---|---|---|
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Land Loan |
6.64% pa |
6.71% pa |
7.09% pa |
6.90% pa |
| Reference Rate(iii) | Standard Reference Rate Investment |
Standard Reference Rate Interest Only Investment |
||
An Establishment fee of $350 and a Settlement fee of $250 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) 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.
The Select Package is a special offer only available to eligible corporate super members and AMP Limited shareholders.
Investment
Effective 10 December 2018
| 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 | 5.24% pa | 5.61% pa | 4.99% pa | 5.47% pa |
| $250,000 to $499,999 | 4.31% pa | 4.69% pa | 4.39% pa | 4.69% pa |
| $500,000 to $749,999 | 3.99% pa | 4.38% pa | 4.39% pa | 4.50% pa |
| $750,000 and above | 3.99% pa | 4.38% pa | 4.39% pa | 4.50% 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 | 5.19% pa | Not applicable |
| $250,000 to $499,999 | Not applicable | Not applicable | 4.59% pa | Not applicable |
| $500,000 to $749,999 | Not applicable | Not applicable | 4.59% pa | Not applicable |
| $750,000 and above | Not applicable | Not applicable | 4.59% pa | Not applicable |
| Reference Rate(iv) | Line Of Credit Reference Rate Investment |
Line Of Credit Reference Rate Interest Only Investment |
||
Effective 30 March 2018
| 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 | 5.53% pa | 4.84% pa | 5.54% pa |
| 2 Year Fixed Rate | 4.57% pa | 5.44% pa | 4.77% pa | 5.46% pa |
| 3 Year Fixed Rate | 4.87% pa | 5.44% pa | 4.49% pa | 5.33% pa |
| 5 Year Fixed Rate | 5.18% pa | 5.48% pa | 5.38% pa | 5.54% 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 $350 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) 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.
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
Effective 16 February 2018
| Loan type | Principal and Interest | Interest Only | ||
|---|---|---|---|---|
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) | |
| Variable rate loan | 4.19% pa | 4.19% pa | 4.39% pa | 4.27% pa |
| Reference Rate(iii) | AMP First Reference Rate Investment |
AMP First Reference Rate Interest Only Investment |
||
| Line of Credit | Not applicable | Not applicable | 4.59% 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 30 March 2018
| 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 | 4.22% pa | 4.54% pa | 4.22% pa |
| 2 Year Fixed Rate | 4.47% pa | 4.24% pa | 4.47% pa | 4.24% pa |
| 3 Year Fixed Rate | 4.47% pa | 4.27% pa | 4.39% pa | 4.24% pa |
| 5 Year Fixed Rate | 4.78% pa | 4.44% pa | 4.78% pa | 4.43% pa |
Line 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) | |
| Line 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 |
(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.
Home Loan Key Facts Sheet
A Home Loan Key Facts Sheet provides you with information on standard home loans to enable you to compare similar loans from different lenders. The layout and contents of the Key Facts Sheet is a standard format to make the comparisons easy.
The Key Facts Sheet contains key facts about a standard home loan and includes the interest rates and standard fees, the cost of the loan, repayments and even how your repayments can be impacted by a change to interest rates.
Generating a Key Facts Sheet for the AMP First Home Loan
To generate a Key Facts Sheet you will need to access the Key Facts Sheet tool and enter the following information:
- loan amount
- term of Loan (maximum 30 years)
- interest type (Fixed or Variable)
- select the applicable loan from the dropdown list.
Once you have entered this information, select the Go button and the Key Facts Sheet will be displayed on your screen. You can choose to print or download the Key Facts Sheet. If you need to change any of the details, you can select the Change loan details button and start again.
It’s important to consider your particular 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.
This information is provided by AMP Bank Limited. Read our Financial Services Guide 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.
The credit provider and product issuer is AMP Bank Limited 15 081 596 009, AFSL and Australian Credit Licence 234517.