A variable interest rate credit facility secured by land (with no offset facility).
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 |
|---|---|---|---|---|---|
| 7.39% | 7.33% | Variable · investment · interest only · $0–$99,999,999 | CDR | 1 Nov 2026 | |
| 7.19% | 7.24% | Variable · investment · principal and interest · $0–$99,999,999 | CDR | 1 Nov 2026 | |
| 8.40% | 8.34% | Variable · owner occupied · interest only · $0–$99,999,999 | CDR | 1 Nov 2026 | |
| 8.20% | 8.26% | Variable · owner occupied · principal and interest · $0–$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.
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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_LAND_HL- Content hash
sha256 84e143d35a60cd1462b26d6ba7f7f4a2588cdb0b00872541a835c04d4b0baff8- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_84e143d35a60cd14_74196577Show details
- Checked
- 1 Nov 2026
- URL
https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_LAND_HL- Content hash
sha256 84e143d35a60cd1462b26d6ba7f7f4a2588cdb0b00872541a835c04d4b0baff8- 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 |
|---|---|---|
| Settlement Fee | Upfront | $349.00 |
| 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 Land Loan account management fee | Periodic | $0.00 |
| Company or Trust Fee | Upfront | $2,500.00 |
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. | |
| Digital banking | Customers can access and manage their home loan online via My AMP, our secure digital banking platform, offering features for easy account monitoring and transactions. | |
| 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 | |
| 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. | |
| 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 |
| Limit: min limit | 40000 | |
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · $0–$99,999,999 | 1 Nov 2026 | Current | 8.20% | 8.26% |
| Variable · investment · interest only · $0–$99,999,999 | 1 Nov 2026 | Current | 7.39% | 7.33% |
| Variable · investment · principal and interest · $0–$99,999,999 | 1 Nov 2026 | Current | 7.19% | 7.24% |
| Variable · owner occupied · interest only · $0–$99,999,999 | 1 Nov 2026 | Current | 8.40% | 8.34% |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:land | purpose:land |
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