Lending and bank accounts, both associated with BSB number 939 200
Equity Flex
A variable rate home loan with offsets available. A package fee is applicable
Home loansBank updated 25 Aug 2026
At a glance
- Variable (investor P&I)
- 6.39%
- Max LVR
- 80%
- Annual fee
- $415
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 8
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableNew business rates, fees and charges apply | Investment · Interest only | — | ≤50% LVR · $100,000+ | 6.54% | 6.85% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · Interest only | — | 50–60% LVR · $100,000+ | 6.54% | 6.85% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · Interest only | — | 60–70% LVR · $100,000+ | 6.59% | 6.89% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · Interest only | — | 70–80% LVR · $100,000+ | 6.59% | 6.89% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | ≤50% LVR · $100,000+ | 6.39% | 6.80% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | 50–60% LVR · $100,000+ | 6.39% | 6.80% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | 60–70% LVR · $100,000+ | 6.39% | 6.80% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | 70–80% LVR · $100,000+ | 6.39% | 6.80% | New business rate |
§ 02 — Fees · 25
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Telegraphic transfer fee - deposits | Deposit | $30 | — | When funds are transferred to youraccount (by SWIFTor telegraphic transfer) from a bank in Australia or overseas (in Australian dollars). |
| Payment dishonour fees | Dishonour | Varies | — | You may be charged a fee by an external bank or financial institution for a transaction relating to your loan (eg. if a payment to your loan made from another bank is dishonoured, the other bank may… |
| $0 Equity Flex redraw fee | Event | No fee | — | This fee is waived for this package type |
| $0 Equity Flex variation fee | Event | No fee | — | This fee is waived for this package type |
| Audit certificate fee | Event | $25 | — | When you or an auditor request an audit certificate for your account |
| Rework fee | Event | $249 | — | Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer. |
| Solicitor or mortgage processing servicer non-standard additional costs | Event | Varies | — | Non-standard additional costs that may be payable, including courier costs, telegraphic transfer costs, cost to arrange settlement in a remote area and costs for urgent preparation of documents and/o… |
| Solicitors' and mortgage processing servicers' incidental costs | Event | $82.50 | — | Per security property. Whenever a variation to an existing loan agreement is made and we instruct our solicitors or mortgage processing servicers to act on our behalf in connection with the security… |
| Transaction trace fee | Event | $20 | — | When you request us to investigate and trace a transaction |
| Valuation fee | Event | Varies | — | Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payable prior to the valuation. |
| Verification of identity by Australia Post | Event | Varies | — | Payable when you obtain a Verification of Identity service from an Australia Post office. |
| Visa dispute fee | Event | $25 | — | When you dispute a Visa transaction and we do not find in your favour |
| Discharge fee | Exit | $490 | — | Payable when we are requested to discharge all securities. Customers also pay the actual solicitors' or mortgage processing servicers' costs, which include,for example, search fees and postage, valua… |
| $0 Equity Flex monthly fee | Periodic | No fee | Every 1 mo | This fee is waived for this package type |
| Equity Flex package fee | Periodic | $415 | Every 1 yr | Payable in arrears for packages, eligibilitiy requirements may apply. $6 monthly account management fee is payable on the offset deposit account when linked to a Basic Variable Rate Loan. |
| Emergency replacement AMP Visa Debit Card fee | Replacement | $15 | — | When you request urgent delivery of a replacement access card |
| Currency conversion fee | Transaction | 2.50% of transaction | — | When you use your AMP Visa Debit card to make a purchase overseas or withdraw from an ATM overseas in a foreign currency and the transaction is converted to Australian dollars |
| $0 Equity Flex application fee | Upfront | No fee | — | This fee is waived for this package type |
| $0 Equity Flex Settlement fee | Upfront | No fee | — | This fee is waived for this package type |
| AMP internal refinance fee | Upfront | $299 | — | Payable on settlement. Payable on settlement where you had an AMP Bank loan immediately before establishment of this loan and that loan was refinanced or otherwise replaced with this loan, either in… |
| Company or Trust Fee | Upfront | $2,500 | — | Payable at settlement where the borrower is either a company or trustee. Not applicable for SuperEdge, AMP First or Essential Loan. |
| Multiple Security Fee | Upfront | $250 | — | Per security. Payable for each additional security offered at loan establishment. Fee is not refundable. |
| Solicitors and mortgage processing servicers' cost | Upfront | $295 | — | Whenever a new loan agreement is established and we instruct our solicitors or mortgage processing servicers' to act on our behalf in connection with this agreement or a security. |
| International ATM cash withdrawal fee | Withdrawal | $4.50 | — | When you withdraw from your account at any international ATM |
| Telegraphic transfer fee - withdrawals | Withdrawal | $30 | — | When you request us to transfer funds from your account (by SWIFT) to a bank in Australia (in Australian dollars). When you request us to transfer fundsfrom your account (by telegraphic transfer) to… |
§ 03 — Features
Offset accountRedrawExtra repaymentsGuarantor optionDigital bankingFraud protectionUnlimited transactionsApple Pay, Samsung Pay or Google Pay
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Citizen or Permanent Resident
- · Amount $100,000 to no maximum
- · The loan term ranges from a minimum of 31 years to a maximum of 40 years
§ 06 — Run the numbers
Put this product through a calculator
Published by AMP - My AMP under the Consumer Data Right, last changed by them on 25 Aug 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.