AMP - My AMP
Every product AMP - My AMP publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with AMP Bank GO under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 234517, held by AMP Bank Limited; credit licence since 1 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
9 products in 3 categories
AMP - My AMP's rates today
AMP - My AMP's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where AMP - My AMP sits among every institution's best
Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.
Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 3-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.
| Rate | AMP - My AMP | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.58%AMP Essential Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.69%Professional Package | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
AMP - My AMP home loan repayments
Repayments at AMP - My AMP's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableAMP Essential Home Loan6.58%6.61% comparison$3,824a month
$776,651 in interest, $1,376,651 repaid in all
- 1-year fixedProfessional Package6.64%7.76% comparison$3,848a month
$785,215 in interest, $1,385,215 repaid in all
- 2-year fixedProfessional Package6.64%7.65% comparison$3,848a month
$785,215 in interest, $1,385,215 repaid in all
- 3-year fixedProfessional Package6.69%7.56% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
- 5-year fixedProfessional Package6.79%7.43% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- Investor variableAMP Essential Home Loan6.72%6.75% comparison$3,880a month
$796,667 in interest, $1,396,667 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not AMP - My AMP's own calculator: confirm the rate with AMP - My AMP before you apply.
AMP - My AMP home loan rates
Compare across banks6 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.58%, with a comparison rate of 6.61%, on its AMP Essential Home Loan: 75th lowest of 104 lenders, level with one other.
- AMP Essential Home Loan
- Variable (owner occ. P&I)
- 6.49%, 6.52% comparison
- Variable (investor P&I)
- 6.64%
- Max LVR
- 95%
- AMP First Home Loan
- Variable (owner occ. P&I)
- 6.63%, 6.63% comparison
- Variable (investor P&I)
- 6.84%
- Fixed
- 1 yr 6.63%, 2 yrs 6.63%, 3 yrs 6.68%, 5 yrs 6.78%
- AMP Superedge Loan
- Variable (investor P&I)
- 7.39%
- Max LVR
- 80%
- Annual fee
- $120
- Equity Flex
- Variable (investor P&I)
- 6.89%
- Max LVR
- 80%
- Annual fee
- $415
- Land Loan
- Variable (owner occ. P&I)
- 8.45%, 8.51% comparison
- Variable (investor P&I)
- 7.44%
- Features
- redraw, extra repayments
- Professional Package
- Variable (owner occ. P&I)
- 6.78%, 7.18% comparison
- Variable (investor P&I)
- 6.84%
- Fixed
- 1 yr 6.64%, 2 yrs 6.64%, 3 yrs 6.69%, 5 yrs 6.79%
AMP - My AMP savings and transaction account rates
Compare across banks2 products
Its highest savings rate is 0.00%, on its AMP Cash Manager: 74th highest of 84 institutions, level with 10 others.
AMP - My AMP business loan rates
Compare across banks1 product
Has AMP - My AMP passed on the RBA's November 2026 rate rise?
AMP - My AMP lifted its variable home loan rates by 0.25 percentage points from 7 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Sat 7 Nov
AMP - My AMP lifted 94 variable home loan rates by 0.25 percentage points.
0.25- Equity Flex (8 rates)
- AMP Essential Home Loan (20 rates)
- AMP First Home Loan (6 rates)
- Land Loan (4 rates)
- Professional Package (50 rates)
- AMP Superedge Loan (6 rates)
Fri 16 Oct
AMP - My AMP lifted 2 variable home loan rates by 0.05 percentage points.
0.05AMP - My AMP lifted 76 fixed home loan rates by 0.05 to 0.29 percentage points.
0.05 to 0.29- AMP First Home Loan (26 rates)
- Professional Package (50 rates)
Sat 3 Oct
AMP - My AMP lifted 82 variable home loan rates by 0.25 percentage points.
0.25- Equity Flex (8 rates)
- AMP Essential Home Loan (20 rates)
- AMP First Home Loan (6 rates)
- Land Loan (4 rates)
- Professional Package (38 rates)
- AMP Superedge Loan (6 rates)
Published by AMP - My AMP under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.