A variable rate home loan with offsets available. A package fee is applicable
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 |
|---|---|---|---|---|---|
| 6.79% | 7.10% | Variable · investment · interest only · LVR 50% or less · $100,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.79% | 7.10% | Variable · investment · interest only · LVR 50%–60% · $100,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.84% | 7.15% | Variable · investment · interest only · LVR 60%–70% · $100,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.84% | 7.15% | Variable · investment · interest only · LVR 70%–80% · $100,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.64% | 7.05% | Variable · investment · principal and interest · LVR 50% or less · $100,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.64% | 7.05% | Variable · investment · principal and interest · LVR 50%–60% · $100,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.69% | 7.10% | Variable · investment · principal and interest · LVR 60%–70% · $100,000–$99,999,999 | CDR | 1 Nov 2026 | |
| 6.69% | 7.10% | Variable · investment · principal and interest · LVR 70%–80% · $100,000–$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.
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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_EQUITY_FLEX_HL- Content hash
sha256 469290df52c35328bd69dcdbbfd41e1f069d82b238f79174e898eba10765c4a6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_469290df52c35328_e6862b2dShow details
- Checked
- 1 Nov 2026
- URL
https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_EQUITY_FLEX_HL- Content hash
sha256 469290df52c35328bd69dcdbbfd41e1f069d82b238f79174e898eba10765c4a6- 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 |
| 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 Equity Flex variation fee | Event | $0.00 |
| $0 Equity Flex application fee | Upfront | $0.00 |
| $0 Equity Flex Settlement fee | Upfront | $0.00 |
| $0 Equity Flex monthly fee | Periodic | $0.00 |
| $0 Equity Flex redraw fee | Event | $0.00 |
| Equity Flex package fee | Periodic | $415.00 |
| 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. | |
| Offset | You can choose to set up an Offset Deposit Account on a variable rate loan. A $6 monthly account management fee is payable on the Offset Deposit Account when linked to a Basic Variable Rate Loan. | |
| Card access | Visa Debit Card | A card is available for the product to access funds |
| Unlimited txns | Unlimited free transactions available | Service fees may apply for manual redraw requests or special services. |
| Digital wallet | Apple Pay, Samsung Pay or Google Pay | Customers can link eligible AMP accounts to Apple Pay, Google Pay, and Samsung Pay for secure and convenient digital wallet transactions. |
| 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 | |
| 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 |
| Limit: min limit | 100000 | |
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 60%–70% · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.69% | 7.10% |
| Variable · investment · interest only · LVR 60%–70% · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.84% | 7.15% |
| Variable · investment · principal and interest · LVR 50%–60% · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.64% | 7.05% |
| Variable · investment · interest only · LVR 50% or less · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.79% | 7.10% |
| Variable · investment · interest only · LVR 70%–80% · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.84% | 7.15% |
| Variable · investment · principal and interest · LVR 50% or less · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.64% | 7.05% |
| Variable · investment · principal and interest · LVR 70%–80% · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.69% | 7.10% |
| Variable · investment · interest only · LVR 50%–60% · $100,000–$99,999,999 | 1 Nov 2026 | Current | 6.79% | 7.10% |
*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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