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.
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 |
|---|---|---|---|---|---|
| 6.83% | 6.61% | Fixed · 1 year · investment · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.33% | 6.67% | Fixed · 1 year · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.83% | 6.64% | Fixed · 2 years · investment · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.33% | 6.74% | Fixed · 2 years · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.88% | 6.67% | Fixed · 3 years · investment · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.38% | 6.82% | Fixed · 3 years · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.88% | 6.72% | Fixed · 5 years · investment · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.38% | 6.93% | Fixed · 5 years · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.73% | 6.60% | Fixed · 1 year · investment · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.23% | 7.28% | Fixed · 1 year · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.73% | 6.62% | Fixed · 2 years · investment · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.23% | 7.28% | Fixed · 2 years · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.78% | 6.64% | Fixed · 3 years · investment · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.28% | 7.29% | Fixed · 3 years · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.88% | 6.72% | Fixed · 5 years · investment · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.38% | 7.33% | Fixed · 5 years · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.88% | 6.43% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.38% | 6.48% | Fixed · 1 year · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.88% | 6.48% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.38% | 6.58% | Fixed · 2 years · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.93% | 6.53% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.43% | 6.68% | Fixed · 3 years · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.93% | 6.62% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.43% | 6.84% | Fixed · 5 years · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.63% | 6.41% | Fixed · 1 year · owner occupied · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.13% | 7.09% | Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.63% | 6.43% | Fixed · 2 years · owner occupied · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.13% | 7.09% | Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.68% | 6.47% | Fixed · 3 years · owner occupied · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.18% | 7.11% | Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.78% | 6.56% | Fixed · 5 years · owner occupied · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.28% | 7.17% | Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.68% | 6.63% | Variable · investment · interest only · LVR 80% or less | Not compared in rate tables Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.88% | 6.79% | Variable · investment · interest only · LVR 80% or less | Not compared in rate tables Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.98% | 6.63% | Variable · investment · interest only · LVR 80% or less | Not compared in rate tables Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.38% | 6.93% | Variable · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.59% | 6.59% | Variable · investment · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.29% | 7.29% | Variable · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.79% | 6.56% | Variable · owner occupied · interest only · LVR 80% or less | Not compared in rate tables Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.99% | 6.81% | Variable · owner occupied · interest only · LVR 80% or less | Not compared in rate tables Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.04% | 6.45% | Variable · owner occupied · interest only · LVR 80% or less | Not compared in rate tables Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.49% | 6.86% | Variable · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 6.38% | 6.38% | Variable · owner occupied · principal and interest · LVR 90% or less | Lender's staffFirst home buyers | CDR | 1 Nov 2026 |
| 7.08% | 7.08% | Variable · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | Lender's staffFirst home buyers | 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_FIRST_HL- Content hash
sha256 ee3a968f9a55e5e4fd7740b80f530937351535700fb928281a9a3f24b1c257f4- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_ee3a968f9a55e5e4_6f484374Show details
- Checked
- 1 Nov 2026
- URL
https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_FIRST_HL- Content hash
sha256 ee3a968f9a55e5e4fd7740b80f530937351535700fb928281a9a3f24b1c257f4- 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 |
| Fixed rate lock fee | Upfront | 0.15% |
| Break costs | Event | Set in your letter of offer |
| 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 AMP First annual package fee | Periodic | $0.00 |
| $0 AMP First solicitor fee | Upfront | $0.00 |
| $0 AMP First master limit application fee | Upfront | $0.00 |
| $0 AMP First settlement fee | Upfront | $0.00 |
| $0 AMP First variation fee | Event | $0.00 |
| $0 AMP First valuation fee (up to the value of $550) | 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. | |
| 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. | |
| Other | Construction available as a feature | Construction available for up to a 12 month interest only period |
| 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: staff | To be eligible for an AMP First Home Loan, at least one borrower must be in one of the Eligible groups when the home loan application is submitted. An AMP First Home Loan is only available when applying directly with AMP Bank (not for applications made through a loan originator, financial adviser, mortgage broker or other intermediary). Eligible clients listed in the AMP First home loan offer document. | |
| 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 |
|---|---|---|---|---|
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.88% | 6.48% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.93% | 6.53% |
| Fixed · 2 years · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.38% | 6.58% |
| Fixed · 2 years · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.33% | 6.74% |
| Fixed · 2 years · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.23% | 7.28% |
| Fixed · 1 year · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.38% | 6.48% |
| Fixed · 1 year · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.23% | 7.28% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.63% | 6.43% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.88% | 6.67% |
| Fixed · 3 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.78% | 6.64% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.93% | 6.62% |
| Variable · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.98% | 6.63% |
| Fixed · 5 years · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.38% | 7.33% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.78% | 6.56% |
| Fixed · 3 years · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.43% | 6.68% |
| Variable · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.29% | 7.29% |
| Variable · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.49% | 6.86% |
| Variable · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.38% | 6.38% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.63% | 6.41% |
| Fixed · 5 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.88% | 6.72% |
| Variable · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.68% | 6.63% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.83% | 6.64% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.88% | 6.43% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 6.56% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 6.45% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.18% | 7.11% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.81% |
| Fixed · 1 year · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.73% | 6.60% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.68% | 6.47% |
| Fixed · 3 years · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.38% | 6.82% |
| Fixed · 5 years · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.38% | 6.93% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.88% | 6.72% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.28% | 7.17% |
| Variable · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.08% | 7.08% |
| Fixed · 1 year · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.33% | 6.67% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.83% | 6.61% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.13% | 7.09% |
| Fixed · 2 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.73% | 6.62% |
| Fixed · 5 years · owner occupied · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.43% | 6.84% |
| Variable · investment · interest only · LVR 80%–90% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.38% | 6.93% |
| Variable · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.59% | 6.59% |
| Fixed · 3 years · investment · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.28% | 7.29% |
| Variable · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.88% | 6.79% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95% · $40,000–$99,999,999 | 1 Nov 2026 | Current | 7.13% | 7.09% |
*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 |
|---|---|---|
eligibility:staff | Lender's staff | Filter; shown in the row |
eligibility:first-home-buyer | First home buyers | Filter; shown in the row |
rate-selected-by-free-text | Reason this product is not ranked | |
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
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