Lending and bank accounts, both associated with BSB number 939 200AMP Essential Home Loan
A variable home loan with no offset facility and no package fees.
At a glance
- Variable (owner occ. P&I)
- 6.49%6.52% comparison
- Variable (investor P&I)
- 6.64%
- Max LVR
- 95%
- Annual fee
- $0
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.58% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 75th lowest of 104, level with one other |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.72% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 68th lowest of 104 |
Rates
Every rate Lending and bank accounts, both associated with BSB number 939 200 publishes for this home loan, 20 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤50%6.49%
- ≤60%6.49%
- 50–60%6.69%
- 60–80%6.58%
- 80–90%6.79%
- 90–95%7.19%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableNew business rates, fees and charges apply | Investment, P&I | - | ≤50% LVR, $250,000–$749,999 | 6.69% | 6.72% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | ≤50% LVR, $750,000+ | 6.64% | 6.67% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 50–60% LVR, $250,000–$749,999 | 6.69% | 6.72% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 50–60% LVR, $750,000+ | 6.64% | 6.67% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 60–80% LVR, $250,000–$749,999 | 6.79% | 6.82% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 60–80% LVR, $750,000+ | 6.72% | 6.75% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 80–90% LVR, $250,000–$749,999 | 7.04% | 7.07% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 80–90% LVR, $750,000+ | 6.89% | 6.92% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 90–95% LVR, $250,000–$749,999 | 7.39% | 7.42% | New business rate |
| VariableNew business rates, fees and charges apply | Investment, P&I | - | 90–95% LVR, $750,000+ | 7.44% | 7.47% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | ≤50% LVR, $250,000–$749,999 | 6.69% | 6.72% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | ≤50% LVR, $750,000+ | 6.49% | 6.52% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | ≤60% LVR, $750,000+ | 6.49% | 6.52% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | 50–60% LVR, $250,000–$749,999 | 6.69% | 6.72% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | 60–80% LVR, $250,000–$749,999 | 6.79% | 6.82% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | 60–80% LVR, $750,000+ | 6.58% | 6.61% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | 80–90% LVR, $250,000–$749,999 | 6.89% | 6.92% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | 80–90% LVR, $750,000+ | 6.79% | 6.82% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | 90–95% LVR, $250,000–$749,999 | 7.29% | 7.32% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied, P&I | - | 90–95% LVR, $750,000+ | 7.19% | 7.22% | New business rate |
Rate changes
40 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Nov 2026 | Variable, Investment, P&I, ≤50% LVR, $250,000–$749,999 | 6.44% | 6.69% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, ≤50% LVR, $750,000+ | 6.39% | 6.64% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 50–60% LVR, $250,000–$749,999 | 6.44% | 6.69% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 50–60% LVR, $750,000+ | 6.39% | 6.64% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 60–80% LVR, $250,000–$749,999 | 6.54% | 6.79% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 60–80% LVR, $750,000+ | 6.47% | 6.72% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 80–90% LVR, $250,000–$749,999 | 6.79% | 7.04% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 80–90% LVR, $750,000+ | 6.64% | 6.89% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 90–95% LVR, $250,000–$749,999 | 7.14% | 7.39% | up 0.25 |
| 7 Nov 2026 | Variable, Investment, P&I, 90–95% LVR, $750,000+ | 7.19% | 7.44% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, ≤50% LVR, $250,000–$749,999 | 6.44% | 6.69% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, ≤50% LVR, $750,000+ | 6.24% | 6.49% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, ≤60% LVR, $750,000+ | 6.24% | 6.49% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, 50–60% LVR, $250,000–$749,999 | 6.44% | 6.69% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, 60–80% LVR, $250,000–$749,999 | 6.54% | 6.79% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, 60–80% LVR, $750,000+ | 6.33% | 6.58% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, 80–90% LVR, $250,000–$749,999 | 6.64% | 6.89% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, 80–90% LVR, $750,000+ | 6.54% | 6.79% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, 90–95% LVR, $250,000–$749,999 | 7.04% | 7.29% | up 0.25 |
| 7 Nov 2026 | Variable, Owner occupied, P&I, 90–95% LVR, $750,000+ | 6.94% | 7.19% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, ≤50% LVR, $250,000–$749,999 | 6.19% | 6.44% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, ≤50% LVR, $750,000+ | 6.14% | 6.39% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 50–60% LVR, $250,000–$749,999 | 6.19% | 6.44% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 50–60% LVR, $750,000+ | 6.14% | 6.39% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 60–80% LVR, $250,000–$749,999 | 6.29% | 6.54% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 60–80% LVR, $750,000+ | 6.22% | 6.47% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 80–90% LVR, $250,000–$749,999 | 6.54% | 6.79% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 80–90% LVR, $750,000+ | 6.39% | 6.64% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 90–95% LVR, $250,000–$749,999 | 6.89% | 7.14% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, 90–95% LVR, $750,000+ | 6.94% | 7.19% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, ≤50% LVR, $250,000–$749,999 | 6.19% | 6.44% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, ≤50% LVR, $750,000+ | 5.99% | 6.24% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR, $750,000+ | 5.99% | 6.24% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, 50–60% LVR, $250,000–$749,999 | 6.19% | 6.44% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, 60–80% LVR, $250,000–$749,999 | 6.29% | 6.54% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, 60–80% LVR, $750,000+ | 6.08% | 6.33% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR, $250,000–$749,999 | 6.39% | 6.64% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR, $750,000+ | 6.29% | 6.54% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, 90–95% LVR, $250,000–$749,999 | 6.79% | 7.04% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, 90–95% LVR, $750,000+ | 6.69% | 6.94% | up 0.25 |
Each change is logged the night it appears in the rates AMP - My AMP publishes. See how every lender answered the RBA on the rate tracker.
Fees
26 fees published, grouped by when they're charged.
- When you take it outUp to $2995 fees, each listed below
- While you hold itVaries3 fees, each listed below
- When you close it or pay it off$490Discharge fee
When you take it out5
- $0 Essential Application fee
This fee is waived for this package type
No fee - $0 Essential settlement fee
This fee is waived for this package type
No fee - AMP internal refinance fee
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…
$299 - Multiple Security Fee
Per security. Payable for each additional security offered at loan establishment. Fee is not refundable.
$250 - Solicitors and mortgage processing servicers' cost
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.
$295
While you hold it3
- $0 Essential account management fee
This fee is waived for this package type
No fee - $0 Essential annual fee
This fee is waived for this package type
No fee - $0 Essential monthly fee
This fee is waived for this package type
No fee
When you make a transaction4
- Telegraphic transfer fee - deposits
When funds are transferred to youraccount (by SWIFTor telegraphic transfer) from a bank in Australia or overseas (in Australian dollars).
$30 - Currency conversion fee
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
2.50% of transaction - International ATM cash withdrawal fee
When you withdraw from your account at any international ATM
$4.50 - Telegraphic transfer fee - withdrawals
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…
$30
If a payment is late or fails1
- Payment dishonour fees
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…
Varies
When particular things happen12
- $0 Essential redraw fee
This fee is waived for this package type
No fee - $0 Essential valuation fee (up to the value of $550).
This fee is waived for this package type
No fee - Audit certificate fee
When you or an auditor request an audit certificate for your account
$25 - Rework fee
Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer.
$249 - Solicitor or mortgage processing servicer non-standard additional costs
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…
Varies - Solicitors' and mortgage processing servicers' incidental costs
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…
$82.50 - Transaction trace fee
When you request us to investigate and trace a transaction
$20 - Valuation fee
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.
Varies - Variation fee
Plus any solicitor's or mortgage processing costs, valuation costs if applicable and any government fees which may vary from state to state. Payable when we agree to vary your loan or any security -…
$299 - Verification of identity by Australia Post
Payable when you obtain a Verification of Identity service from an Australia Post office.
Varies - Visa dispute fee
When you dispute a Visa transaction and we do not find in your favour
$25 - Emergency replacement AMP Visa Debit Card fee
When you request urgent delivery of a replacement access card
$15
When you close it or pay it off1
- Discharge fee
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…
$490
Features
Eligibility and limits
- Minimum age 18
- Residency: Citizen or Permanent Resident
- Available to individuals
- Amount from $250,000, no maximum
- The loan term ranges from a minimum of 10 years to a maximum of 30 years
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Published by AMP - My AMP under the Consumer Data Right, last changed by them on 6 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.