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 25 Aug 2026
At a glance
- Variable (owner occ. P&I)
- 6.13% · 6.13% comparison
- Variable (investor P&I)
- 6.34%
- Fixed
- 1 yr 6.38% · 2 yrs 6.38% · 3 yrs 6.48% · 5 yrs 6.78%
- Max LVR
- 95%
- Annual fee
- $0
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 44
| 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 | 6.59% | 6.37% | 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+ | 7.09% | 6.42% | 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 | 6.59% | 6.39% | 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+ | 7.09% | 6.49% | 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 | 6.64% | 6.42% | 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+ | 7.14% | 6.57% | 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% | 6.57% | 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% | 6.79% | 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 | 6.48% | 6.35% | New business rate |
| FixedNew business rates, fees and charges apply | Investment · P&I | 1 yr fixed | 90–95% LVR · $40,000+ | 6.98% | 7.03% | 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 | 6.48% | 6.37% | New business rate |
| FixedNew business rates, fees and charges apply | Investment · P&I | 2 yrs fixed | 90–95% LVR · $40,000+ | 6.98% | 7.03% | 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 | 6.58% | 6.41% | New business rate |
| FixedNew business rates, fees and charges apply | Investment · P&I | 3 yrs fixed | 90–95% LVR · $40,000+ | 7.08% | 7.05% | 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% | 6.58% | New business rate |
| FixedNew business rates, fees and charges apply | Investment · P&I | 5 yrs fixed | 90–95% LVR · $40,000+ | 7.38% | 7.19% | 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 | 6.59% | 6.18% | 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+ | 7.09% | 6.23% | 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 | 6.59% | 6.22% | 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+ | 7.09% | 6.32% | 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 | 6.64% | 6.27% | 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+ | 7.14% | 6.41% | 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 | 6.88% | 6.45% | 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+ | 7.38% | 6.67% | 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 | 6.38% | 6.16% | New business rate |
| FixedNew business rates, fees and charges apply | Owner occupied · P&I | 1 yr fixed | 90–95% LVR · $40,000+ | 6.88% | 6.84% | 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 | 6.38% | 6.18% | New business rate |
| FixedNew business rates, fees and charges apply | Owner occupied · P&I | 2 yrs fixed | 90–95% LVR · $40,000+ | 6.88% | 6.84% | 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 | 6.48% | 6.23% | New business rate |
| FixedNew business rates, fees and charges apply | Owner occupied · P&I | 3 yrs fixed | 90–95% LVR · $40,000+ | 6.98% | 6.87% | 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% | 6.42% | New business rate |
| FixedNew business rates, fees and charges apply | Owner occupied · P&I | 5 yrs fixed | 90–95% LVR · $40,000+ | 7.28% | 7.03% | New business rate |
| VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank | Investment · Interest only | — | ≤80% LVR | 6.43% | 6.38% | New business rate |
| VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank | Investment · Interest only | — | ≤80% LVR | 6.63% | 6.54% | 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 | 6.73% | 6.38% | 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+ | 7.13% | 6.68% | New business rate |
| VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank | Investment · P&I | — | ≤90% LVR | 6.34% | 6.34% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | 90–95% LVR · $40,000+ | 7.04% | 7.04% | New business rate |
| VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank | Owner occupied · Interest only | — | ≤80% LVR | 6.54% | 6.30% | New business rate |
| VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank | Owner occupied · Interest only | — | ≤80% LVR | 6.74% | 6.55% | 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 | 6.79% | 6.20% | 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+ | 7.24% | 6.61% | New business rate |
| VariableOnly available to AMP shareholders and AMP employees who apply directly through AMP Bank | Owner occupied · P&I | — | ≤90% LVR | 6.13% | 6.13% | New business rate |
| VariableNew business rates, fees and charges apply | Owner occupied · P&I | — | 90–95% LVR · $40,000+ | 6.83% | 6.83% | New business rate |
§ 02 — Fees · 23
| 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 AMP First valuation fee (up to the value of $550) | Event | No fee | — | This fee is waived for this package type |
| $0 AMP First 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 |
| Break costs | Event | Varies | — | 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… |
| 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 |
| $0 AMP First annual package fee | Periodic | No fee | Every 1 yr | This fee is waived for this package type |
| 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 AMP First master limit application fee | Upfront | No fee | — | This fee is waived for this package type |
| $0 AMP First settlement fee | Upfront | No fee | — | This fee is waived for this package type |
| $0 AMP First solicitor fee | Upfront | No fee | — | This fee is waived for this package type |
| Fixed rate lock fee | Upfront | 0.15% of transaction | — | 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… |
| 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
- · Construction available for up to a 12 month interest only period
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Citizen or Permanent Resident
- · Staff only
- · Amount $40,000 to no maximum
- · The loan term ranges from a minimum of 10 years to a maximum of 30 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.