Lending and bank accounts, both associated with BSB number 939 200

AMP First Home Loan

A home loan with fixed, variable and Line of Credit options. Offsets are available for variable loans. The Bank reviews the AMP First comparison rate every 3 months and adjusts rates of existing and new customers if the rate is not in the top 3 of its competitors. Only available to AMP employees, AMP Superannuation members, certain shareholders, and other client groups defined by AMP Bank.

Home loansBank updated 6 Nov 2026

Product page ↗Fees and pricing ↗Terms ↗

At a glance

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%
Max LVR: 95%
Annual fee: $0
Features: offset, redraw, extra repayments

Rates

Every rate Lending and bank accounts, both associated with BSB number 939 200 publishes for this home loan, 44 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

Variabletypical 6.38%6.63%
1 yr fixedtypical 6.59%6.63%
2 yrs fixedtypical 6.62%6.63%
3 yrs fixedtypical 6.69%6.68%
5 yrs fixedtypical 6.89%6.78%

This home loanTypical lender's best

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

≤90%6.63%
90–95%7.33%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, Interest only	1 yr fixed	≤80% LVR	6.83%	6.84%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Investment, Interest only	1 yr fixed	80–90% LVR, $40,000+	7.33%	6.89%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, Interest only	2 yrs fixed	≤80% LVR	6.83%	6.84%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Investment, Interest only	2 yrs fixed	80–90% LVR, $40,000+	7.33%	6.94%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, Interest only	3 yrs fixed	≤80% LVR	6.88%	6.85%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Investment, Interest only	3 yrs fixed	80–90% LVR, $40,000+	7.38%	7.00%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, Interest only	5 yrs fixed	≤80% LVR	6.88%	6.86%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Investment, Interest only	5 yrs fixed	80–90% LVR, $40,000+	7.38%	7.08%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, P&I	1 yr fixed	≤90% LVR	6.73%	6.83%	New business rate
FixedNew business rates, fees and charges apply	Investment, P&I	1 yr fixed	90–95% LVR, $40,000+	7.23%	7.51%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, P&I	2 yrs fixed	≤90% LVR	6.73%	6.82%	New business rate
FixedNew business rates, fees and charges apply	Investment, P&I	2 yrs fixed	90–95% LVR, $40,000+	7.23%	7.48%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, P&I	3 yrs fixed	≤90% LVR	6.78%	6.82%	New business rate
FixedNew business rates, fees and charges apply	Investment, P&I	3 yrs fixed	90–95% LVR, $40,000+	7.28%	7.46%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, P&I	5 yrs fixed	≤90% LVR	6.88%	6.86%	New business rate
FixedNew business rates, fees and charges apply	Investment, P&I	5 yrs fixed	90–95% LVR, $40,000+	7.38%	7.47%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, Interest only	1 yr fixed	≤80% LVR	6.88%	6.66%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Owner occupied, Interest only	1 yr fixed	80–90% LVR, $40,000+	7.38%	6.71%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, Interest only	2 yrs fixed	≤80% LVR	6.88%	6.68%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Owner occupied, Interest only	2 yrs fixed	80–90% LVR, $40,000+	7.38%	6.78%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, Interest only	3 yrs fixed	≤80% LVR	6.93%	6.72%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Owner occupied, Interest only	3 yrs fixed	80–90% LVR, $40,000+	7.43%	6.86%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, Interest only	5 yrs fixed	≤80% LVR	6.93%	6.76%	New business rate
FixedUp to 5 year interest only period. New business rates, fees and charges apply	Owner occupied, Interest only	5 yrs fixed	80–90% LVR, $40,000+	7.43%	6.98%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, P&I	1 yr fixed	≤90% LVR	6.63%	6.63%	New business rate
FixedNew business rates, fees and charges apply	Owner occupied, P&I	1 yr fixed	90–95% LVR, $40,000+	7.13%	7.31%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, P&I	2 yrs fixed	≤90% LVR	6.63%	6.63%	New business rate
FixedNew business rates, fees and charges apply	Owner occupied, P&I	2 yrs fixed	90–95% LVR, $40,000+	7.13%	7.29%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, P&I	3 yrs fixed	≤90% LVR	6.68%	6.64%	New business rate
FixedNew business rates, fees and charges apply	Owner occupied, P&I	3 yrs fixed	90–95% LVR, $40,000+	7.18%	7.29%	New business rate
FixedOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, P&I	5 yrs fixed	≤90% LVR	6.78%	6.70%	New business rate
FixedNew business rates, fees and charges apply	Owner occupied, P&I	5 yrs fixed	90–95% LVR, $40,000+	7.28%	7.31%	New business rate
VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, Interest only	-	≤80% LVR	6.93%	6.88%	New business rate
VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, Interest only	-	≤80% LVR	7.13%	7.04%	New business rate; Line of Credit
VariableConstruction is for up to 12 month period. Revert-to product is selected up front. New business rates, fees and charges apply	Investment, Interest only	-	≤80% LVR	7.23%	6.88%	New business rate
VariableUp to 5 year interest only period. New business rates, fees and charges apply	Investment, Interest only	-	80–90% LVR, $40,000+	7.63%	7.19%	New business rate
VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Investment, P&I	-	≤90% LVR	6.84%	6.84%	New business rate
VariableNew business rates, fees and charges apply	Investment, P&I	-	90–95% LVR, $40,000+	7.54%	7.54%	New business rate
VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, Interest only	-	≤80% LVR	7.04%	6.81%	New business rate
VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, Interest only	-	≤80% LVR	7.24%	7.06%	New business rate; Line of Credit
VariableConstruction is for up to 12 month period. Revert-to product is selected up front. New business rates, fees and charges apply	Owner occupied, Interest only	-	≤80% LVR	7.29%	6.70%	New business rate
VariableUp to 5 year interest only period. New business rates, fees and charges apply	Owner occupied, Interest only	-	80–90% LVR, $40,000+	7.74%	7.12%	New business rate
VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank	Owner occupied, P&I	-	≤90% LVR	6.63%	6.63%	New business rate
VariableNew business rates, fees and charges apply	Owner occupied, P&I	-	90–95% LVR, $40,000+	7.33%	7.33%	New business rate

Rate changes

38 changes logged, newest first.

Date	Rate	Was	Now	Change
7 Nov 2026	Variable, Investment, Interest only, 80–90% LVR, $40,000+	7.38%	7.63%	up 0.25
7 Nov 2026	Variable, Investment, P&I, ≤90% LVR	6.59%	6.84%	up 0.25
7 Nov 2026	Variable, Investment, P&I, 90–95% LVR, $40,000+	7.29%	7.54%	up 0.25
7 Nov 2026	Variable, Owner occupied, Interest only, 80–90% LVR, $40,000+	7.49%	7.74%	up 0.25
7 Nov 2026	Variable, Owner occupied, P&I, ≤90% LVR	6.38%	6.63%	up 0.25
7 Nov 2026	Variable, Owner occupied, P&I, 90–95% LVR, $40,000+	7.08%	7.33%	up 0.25
16 Oct 2026	Fixed, Investment, Interest only, 1 yr fixed, ≤80% LVR	6.59%	6.83%	up 0.24
16 Oct 2026	Fixed, Investment, Interest only, 1 yr fixed, 80–90% LVR, $40,000+	7.09%	7.33%	up 0.24
16 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, ≤80% LVR	6.59%	6.83%	up 0.24
16 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, 80–90% LVR, $40,000+	7.09%	7.33%	up 0.24
16 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, ≤80% LVR	6.64%	6.88%	up 0.24
16 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, 80–90% LVR, $40,000+	7.14%	7.38%	up 0.24
16 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, ≤90% LVR	6.48%	6.73%	up 0.25
16 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, 90–95% LVR, $40,000+	6.98%	7.23%	up 0.25
16 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, ≤90% LVR	6.48%	6.73%	up 0.25
16 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 90–95% LVR, $40,000+	6.98%	7.23%	up 0.25
16 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, ≤90% LVR	6.58%	6.78%	up 0.20
16 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 90–95% LVR, $40,000+	7.08%	7.28%	up 0.20
16 Oct 2026	Fixed, Owner occupied, Interest only, 1 yr fixed, ≤80% LVR	6.59%	6.88%	up 0.29
16 Oct 2026	Fixed, Owner occupied, Interest only, 1 yr fixed, 80–90% LVR, $40,000+	7.09%	7.38%	up 0.29
16 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤80% LVR	6.59%	6.88%	up 0.29
16 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, 80–90% LVR, $40,000+	7.09%	7.38%	up 0.29
16 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤80% LVR	6.64%	6.93%	up 0.29
16 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, 80–90% LVR, $40,000+	7.14%	7.43%	up 0.29
16 Oct 2026	Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤80% LVR	6.88%	6.93%	up 0.05
16 Oct 2026	Fixed, Owner occupied, Interest only, 5 yrs fixed, 80–90% LVR, $40,000+	7.38%	7.43%	up 0.05
16 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, ≤90% LVR	6.38%	6.63%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, 90–95% LVR, $40,000+	6.88%	7.13%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, ≤90% LVR	6.38%	6.63%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 90–95% LVR, $40,000+	6.88%	7.13%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, ≤90% LVR	6.48%	6.68%	up 0.20
16 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 90–95% LVR, $40,000+	6.98%	7.18%	up 0.20
3 Oct 2026	Variable, Investment, Interest only, 80–90% LVR, $40,000+	7.13%	7.38%	up 0.25
3 Oct 2026	Variable, Investment, P&I, ≤90% LVR	6.34%	6.59%	up 0.25
3 Oct 2026	Variable, Investment, P&I, 90–95% LVR, $40,000+	7.04%	7.29%	up 0.25
3 Oct 2026	Variable, Owner occupied, Interest only, 80–90% LVR, $40,000+	7.24%	7.49%	up 0.25
3 Oct 2026	Variable, Owner occupied, P&I, ≤90% LVR	6.13%	6.38%	up 0.25
3 Oct 2026	Variable, Owner occupied, P&I, 90–95% LVR, $40,000+	6.83%	7.08%	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

23 fees published, grouped by when they're charged.

When you take it outUp to $2956 fees, each listed below
While you hold itNo fee$0 AMP First annual package fee
When you close it or pay it offNo fee published

When you take it out6

$0 AMP First master limit application fee
This fee is waived for this package type
No fee
$0 AMP First settlement fee
This fee is waived for this package type
No fee
$0 AMP First solicitor fee
This fee is waived for this package type
No fee
Fixed rate lock fee
Payable at settlement where you have requested that we secure the fixed interest rate on a fixed rate loan. Fixed rates will be locked for 90 days from the day the request is received. The fee is not…
0.15% of transaction
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 it1

$0 AMP First annual package 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 happen11

$0 AMP First valuation fee (up to the value of $550)
This fee is waived for this package type
No fee
$0 AMP First variation fee
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
Break costs
Payable if at any time before the fixed interest period expires: You make additional repayments above the minimum required payments exceeding $10,000 for each 12 month period within a fixed interest…
Varies
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
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

Features

Offset accountRedrawExtra repaymentsGuarantor optionDigital bankingFraud protectionUnlimited transactionsApple Pay, Samsung Pay or Google Pay

Construction available for up to a 12 month interest only period

Eligibility and limits

Minimum age 18
Residency: Citizen or Permanent Resident
Staff only
Amount from $40,000, no maximum
The loan term ranges from a minimum of 10 years to a maximum of 30 years

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All home loans Other AMP - My AMP home loans Everything AMP - My AMP publishes

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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.