A variable home loan with no offset facility and no package fees.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.44% | 6.47% | Variable · investment · principal and interest · LVR 50% or less · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.39% | 6.42% | Variable · investment · principal and interest · LVR 50% or less · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.44% | 6.47% | Variable · investment · principal and interest · LVR 50%–60% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.39% | 6.42% | Variable · investment · principal and interest · LVR 50%–60% · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.57% | Variable · investment · principal and interest · LVR 60%–80% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.47% | 6.50% | Variable · investment · principal and interest · LVR 60%–80% · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.79% | 6.82% | Variable · investment · principal and interest · LVR 80%–90% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.64% | 6.67% | Variable · investment · principal and interest · LVR 80%–90% · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 7.14% | 7.17% | Variable · investment · principal and interest · LVR 90%–95% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 7.19% | 7.22% | Variable · investment · principal and interest · LVR 90%–95% · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.44% | 6.47% | Variable · owner occupied · principal and interest · LVR 50% or less · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.24% | 6.27% | Variable · owner occupied · principal and interest · LVR 50% or less · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.24% | 6.27% | Variable · owner occupied · principal and interest · LVR 50% or less · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.44% | 6.47% | Variable · owner occupied · principal and interest · LVR 50%–60% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.57% | Variable · owner occupied · principal and interest · LVR 60%–80% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.33% | 6.36% | Variable · owner occupied · principal and interest · LVR 60%–80% · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.64% | 6.67% | Variable · owner occupied · principal and interest · LVR 80%–90% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.57% | Variable · owner occupied · principal and interest · LVR 80%–90% · $750,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 7.04% | 7.07% | Variable · owner occupied · principal and interest · LVR 90%–95% · $250,000–$749,999 | CDR | 1 Nov 2026 | |
| 6.94% | 6.97% | Variable · owner occupied · principal and interest · LVR 90%–95% · $750,000–$99,999,999 | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_ESSENTIAL_HL- Content hash
sha256 5a5cfea2cd9dda93c391d3071cd4eeb0731a3034aa63c4a69d2e62ee9a585d94- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5a5cfea2cd9dda93_41961024Show details
- Checked
- 1 Nov 2026
- URL
https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_ESSENTIAL_HL- Content hash
sha256 5a5cfea2cd9dda93c391d3071cd4eeb0731a3034aa63c4a69d2e62ee9a585d94- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Multiple Security Fee | Upfront | $250.00 |
| Valuation fee | Event | Set in your letter of offer |
| Rework fee | Event | $249.00 |
| AMP internal refinance fee | Upfront | $299.00 |
| Variation fee | Event | $299.00 |
| Discharge fee | Exit | $490.00 |
| Verification of identity by Australia Post | Event | Set in your letter of offer |
| Payment dishonour fees | Dishonour | Set in your letter of offer |
| Solicitors and mortgage processing servicers' cost | Upfront | $295.00 |
| Solicitors' and mortgage processing servicers' incidental costs | Event | $82.50 |
| Solicitor or mortgage processing servicer non-standard additional costs | Event | Set in your letter of offer |
| International ATM cash withdrawal fee | Withdrawal | $4.50 |
| Currency conversion fee | Transaction | 2.50% |
| Emergency replacement AMP Visa Debit Card fee | Replacement | $15.00 |
| Telegraphic transfer fee - deposits | Deposit | $30.00 |
| Telegraphic transfer fee - withdrawals | Withdrawal | $30.00 |
| Transaction trace fee | Event | $20.00 |
| Visa dispute fee | Event | $25.00 |
| Audit certificate fee | Event | $25.00 |
| $0 Essential Application fee | Upfront | $0.00 |
| $0 Essential valuation fee (up to the value of $550). | Event | $0.00 |
| $0 Essential settlement fee | Upfront | $0.00 |
| $0 Essential account management fee | Periodic | $0.00 |
| $0 Essential monthly fee | Periodic | $0.00 |
| $0 Essential annual fee | Periodic | $0.00 |
| $0 Essential redraw fee | Event | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Redraw applies to AMP Bank variable rate home loans only. You can access extra funds you’ve deposited at any time, with no withdrawal fees when using online banking, the AMP app, BankPhone or BankAssist. Minimum amounts and daily limits may apply. | |
| Extra repayments | AMP home loans allow for flexible additional repayments to reduce interest and pay off loans faster. Variable rate loans allow unlimited extra repayments, while fixed-rate loans often limit these to $10,000 per 12-month period. Please refer to Loan Conditions and Credit guide for more information on the consequences of repaying your Fixed Rate Loan early | |
| Additional cards | Additional cards can be requested. | |
| Fraud protection | AMP home loans are protected by secure login, encryption, transaction monitoring, and customer alerts to help prevent and detect fraud. Support is available for customers in the event of suspected unauthorised activity. | |
| Guarantor | AMP Bank home loans allow eligible applicants to use a guarantor, typically a close family member who provides additional security for the loan. This can help customers who have a limited deposit or may not meet standard lending criteria. Guarantor eligibility is subject to AMP Bank’s lending requirements and the guarantor’s financial position. | |
| Eligibility: residency status | Citizen or Permanent Resident | Individual borrowers must be Permanent residents or citizens of Australia, All new to bank customers must be living and working in Australia |
| Eligibility: min age | 18 | Eligible customers must be at least 18 years of age |
| Eligibility: natural person | The customer must be a natural person rather than another legal entity. Some AMP Bank home loan products are available to eligible legal entities, such as companies and trusts, subject to AMP Bank’s lending criteria. These loans are generally offered under specific products like the Professional Package, and are not available under all home loan offerings. | |
| Limit: min limit | 250000 | |
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80%–90% · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.54% | 6.57% |
| Variable · investment · principal and interest · LVR 90%–95% · $750,000–$99,999,999 | 1 Nov 2026 | Current | 7.19% | 7.22% |
| Variable · owner occupied · principal and interest · LVR 60%–80% · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.33% | 6.36% |
| Variable · investment · principal and interest · LVR 50% or less · $250,000–$749,999 | 1 Nov 2026 | Current | 6.44% | 6.47% |
| Variable · investment · principal and interest · LVR 80%–90% · $250,000–$749,999 | 1 Nov 2026 | Current | 6.79% | 6.82% |
| Variable · investment · principal and interest · LVR 50%–60% · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.39% | 6.42% |
| Variable · investment · principal and interest · LVR 90%–95% · $250,000–$749,999 | 1 Nov 2026 | Current | 7.14% | 7.17% |
| Variable · investment · principal and interest · LVR 80%–90% · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.64% | 6.67% |
| Variable · owner occupied · principal and interest · LVR 50% or less · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.24% | 6.27% |
| Variable · owner occupied · principal and interest · LVR 90%–95% · $250,000–$749,999 | 1 Nov 2026 | Current | 7.04% | 7.07% |
| Variable · owner occupied · principal and interest · LVR 60%–80% · $250,000–$749,999 | 1 Nov 2026 | Current | 6.54% | 6.57% |
| Variable · investment · principal and interest · LVR 60%–80% · $250,000–$749,999 | 1 Nov 2026 | Current | 6.54% | 6.57% |
| Variable · investment · principal and interest · LVR 50% or less · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.39% | 6.42% |
| Variable · owner occupied · principal and interest · LVR 90%–95% · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.94% | 6.97% |
| Variable · owner occupied · principal and interest · LVR 80%–90% · $250,000–$749,999 | 1 Nov 2026 | Current | 6.64% | 6.67% |
| Variable · investment · principal and interest · LVR 50%–60% · $250,000–$749,999 | 1 Nov 2026 | Current | 6.44% | 6.47% |
| Variable · owner occupied · principal and interest · LVR 50% or less · $250,000–$749,999 | 1 Nov 2026 | Current | 6.44% | 6.47% |
| Variable · investment · principal and interest · LVR 60%–80% · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.47% | 6.50% |
| Variable · owner occupied · principal and interest · LVR 50% or less · $750,000–$99,999,999 | 1 Nov 2026 | Current | 6.24% | 6.27% |
| Variable · owner occupied · principal and interest · LVR 50%–60% · $250,000–$749,999 | 1 Nov 2026 | Current | 6.44% | 6.47% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.