Interest rates & fees
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And with different features and benefits, there’s something for everyone.
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Find out moreOwner Occupied loans
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 | ||
|---|---|---|---|---|
| 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. 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.
(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 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 | Interest Only | ||
|---|---|---|---|---|
| (Max LVR 90% + LMI) | (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.
| Interest rate(i) |
| Interest rate(i) |
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.
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.
Effective 11 October 2019
| Loan type | Prinicpal and Interest | Interest OnlyMax LVR | ||
|---|---|---|---|---|
| (Max LVR 80% incl LMI) | ||||
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Construction Loan |
Not applicable |
Not applicable | 5.95% pa |
5.27% pa |
| Reference Rate(iii) | 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) View a full list of Reference Rates and their values.
Effective 11 October 2019
| Loan type | Prinicpal and Interest | Interest Only | ||
|---|---|---|---|---|
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Land Loan |
5.13% pa |
5.18% pa |
5.85% pa |
5.47% pa |
| Reference Rate(iii) | 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) 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 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) 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 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 | 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 | 3.19% 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 | 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.
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) |
| Interest rate(i) | Comparison rate(ii) | Interest rate(i) | Comparison rate(ii) |
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 | 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. 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 | 3.93% pa |
| 4.47% pa | 4.51% pa |
| 5.19% pa |
Investment loans
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) |
||||
| $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 | 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. 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.
(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 11 October 2019
| Loan type | Principal & 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 (Investment)(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 & 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 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)
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 Loam (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. 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. Approval is subject to AMP Bank guidelines.
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 | 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(iii) | 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 | ||
| 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 | 6.14% 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) 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 11 October 2019
| Loan type | Prinicpal and Interest | Interest Only | ||
|---|---|---|---|---|
| (Max LVR 80% incl LMI) | ||||
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Construction Loan |
Not applicable |
Not applicable | 6.64% pa |
6.30% pa |
| Reference Rate(iii) | 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) View a full list of Reference Rates and their values.
Effective 11 October 2019
| Loan type | Prinicpal and Interest | Interest Only | ||
|---|---|---|---|---|
Interest rate(i) |
Comparison rate(ii) |
Interest rate(i) |
Comparison rate(ii) |
|
Land Loan |
6.19% pa |
6.24% pa |
6.64% pa |
6.43% pa |
| Reference Rate(iii) | 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) 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 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 | 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) 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
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 |
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.
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 | 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. 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 | 3.93% pa |
| 4.47% pa | 4.51% pa |
| 5.19% pa |
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.