AMB Bank Product
Standard Variable Home Loan
Standard Variable Home Loan with the benefit of 100% offset facility The Standard Variable Home Loan is also available for DHOAS eligible applicants
Home loansBank updated 27 Aug 2026
At a glance
- Variable (owner occ. P&I)
- 6.94% · 6.97% comparison
- Max LVR
- 98%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied · P&I | — | ≤98% LVR | 6.94% | 6.97% | — |
§ 02 — Fees · 16
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Archive retrieval fee | Event | $50 | — | A hourly fee applies plus any expenses incurred |
| Arrears notice fee | Event | $20 | — | 2nd and subsequent reminders by letter or phone |
| Audit Certificate Fee | Event | $50 | — | Per audit certificate requested |
| Consent fee | Event | $250 | — | For 2nd or subsequent mortgages or lease registration |
| Copies of statements (over 12 months) at branch or posted | Event | $5 | — | per page |
| Copies of statements (up to 12 months) at branch | Event | $2.50 | — | — |
| Copies of statements (up to 12 months) posted | Event | $1 | — | per page |
| Default notice fee | Event | $30 | — | Payable when a notice is issued regarding a default under the contract |
| Documentation re-issue fee | Event | $100 | — | + 3rd party costs |
| Mortgage discharge fee | Event | $120 | — | + 3rd party costs |
| Property valuation fee | Event | $250 | — | At cost. Minimum is $250.00 |
| RateSaver Switch Fee | Event | $100 | — | + 3rd party costs-To switch to a RateSaver Loan |
| Switch/variation fee - home & investment loans | Event | $100 | — | + 3rd party costs -To switch or vary home loans (other than switching to RateSaver) |
| Paper statement fee (per statement) | Periodic | $2 | Every 3 mo | — |
| Redraw fee (per redraw) | Transaction | $10 | — | — |
| Processing fee | Upfront | $450 | — | — |
§ 03 — Features
Offset accountRedrawExtra repaymentsRelationship Reward Program
- · Split Loan
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · Employment: Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying
- · Available to individuals
- · Amount $50,000 to $5,000,000
- · Maximum LVR 98%
- · the minimum loan term for home loans is 8 years.
- · Maximum Loan Term 30 years
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Australian Military Bank under the Consumer Data Right, last changed by them on 27 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.