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  AMP First Home Loan

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 6.54%, Comparison Rate 6.30%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.74%, Comparison Rate 6.55%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.63%, Comparison Rate 6.54%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.38%, Comparison Rate 6.16%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.38%, Comparison Rate 6.18%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.48%, Comparison Rate 6.23%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.78%, Comparison Rate 6.42%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.18%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.22%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.64%, Comparison Rate 6.27%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.88%, Comparison Rate 6.45%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.34%, Comparison Rate 6.34%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.43%, Comparison Rate 6.38%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.48%, Comparison Rate 6.35%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.48%, Comparison Rate 6.37%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.58%, Comparison Rate 6.41%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.88%, Comparison Rate 6.58%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.37%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.39%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.64%, Comparison Rate 6.42%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.88%, Comparison Rate 6.57%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.79%, Comparison Rate 6.20%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.73%, Comparison Rate 6.38%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.83%, Comparison Rate 6.83%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.88%, Comparison Rate 6.84%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.88%, Comparison Rate 6.84%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.98%, Comparison Rate 6.87%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.28%, Comparison Rate 7.03%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.04%, Comparison Rate 7.04%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.98%, Comparison Rate 7.03%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.98%, Comparison Rate 7.03%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.08%, Comparison Rate 7.05%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.38%, Comparison Rate 7.19%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.24%, Comparison Rate 6.61%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.09%, Comparison Rate 6.23%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.09%, Comparison Rate 6.32%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.14%, Comparison Rate 6.41%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.38%, Comparison Rate 6.67%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.13%, Comparison Rate 6.68%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.09%, Comparison Rate 6.42%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.09%, Comparison Rate 6.49%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.14%, Comparison Rate 6.57%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.38%, Comparison Rate 6.79%
• Repayment Type: Interest Only
• Loan Purpose: Investment

 Product Features

• Redraw Additional Information: 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 Additional Information: 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 Additional Information: A card is available for the product to access funds

• Unlimited Txns Additional Information: Service fees may apply for manual redraw requests or special services.

• Digital Wallet Additional Information: Customers can link eligible AMP accounts to Apple Pay, Google Pay, and Samsung Pay for secure and convenient digital wallet transactions.

• Digital Banking Additional Information: 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 Additional Information: Construction available for up to a 12 month interest only period

• Extra Repayments Additional Information: 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 Information: Additional cards can be requested.

• Fraud Protection Additional Information: 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 Additional Information: 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.

 Product Eligibility

• Staff Additional Information: 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.

• Residency Status - Citizen Or Permanent Resident. Additional Information: Individual borrowers must be Permanent residents or citizens of Australia, All new to bank customers must be living and working in Australia

• Min Age - 18. Additional Information: Eligible customers must be at least 18 years of age

 Bank Fees and Charges

• Multiple Security Fee (Upfront), Amount: Not Listed.. Additional Information: Per security. Payable for each additional security offered at loan establishment. Fee is not refundable.

• Valuation Fee (Event), Amount: Not Listed.. Additional Information: Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payable prior to the valuation.

• Fixed Rate Lock Fee (Upfront), Amount: Not Listed.. Additional Information: Payable at settlement where you have requested that we secure the fixed interest rate on a fixed rate loan. Fixed rates will be locked for 90 days from the day the request is received. The fee is not refundable

• Break Costs (Event), Amount: Not Listed.. Additional Information: Payable if at any time before the fixed interest period expires: You make additional repayments above the minimum required payments exceeding $10,000 for each 12 month period within a fixed interest period; or You repay all of the money owing under the facility during any fixed interest period before it is due; or We agree to change your annual percentage rate during your fixed interest period (this includes a change to your annual percentage ratedue to a change to your repayment type [principal andinterest or interest only] or a change to your loan purpose [owner occupied or investment]). Break costs can be substantial. The amount which is our estimate of loss (if any) resulting from the relevant event. A 12 month period is defined as the time from the date the fixed interest period commenced to the initial anniversary of that date and each consecutive anniversary thereafter until the fixed interest period expires. Refer to your Loan Conditions for more information.

• Verification Of Identity By Australia Post (Event), Amount: Not Listed.. Additional Information: Payable when you obtain a Verification of Identity service from an Australia Post office.

• Payment Dishonour Fees (Dishonour), Amount: Not Listed.. Additional Information: You may be charged a fee by an external bank or financial institution for a transaction relating to your loan (eg. if a payment to your loan made from another bank is dishonoured, the other bank may charge you a fee).

• Solicitors And Mortgage Processing Servicers' Cost (Upfront), Amount: Not Listed.. Additional Information: Whenever a new loan agreement is established and we instruct our solicitors or mortgage processing servicers' to act on our behalf in connection with this agreement or a security.

• Solicitors' And Mortgage Processing Servicers' Incidental Costs (Event), Amount: Not Listed.. Additional Information: Per security property. Whenever a variation to an existing loan agreement is made and we instruct our solicitors or mortgage processing servicers to act on our behalf in connection with the security property(s).

• Solicitor Or Mortgage Processing Servicer Non-standard Additional Costs (Event), Amount: Not Listed.. Additional Information: Non-standard additional costs that may be payable, including courier costs, telegraphic transfer costs, cost to arrange settlement in a remote area and costs for urgent preparation of documents and/or urgent settlement.

• International Atm Cash Withdrawal Fee (Withdrawal), Amount: Not Listed.. Additional Information: When you withdraw from your account at any international ATM

• Currency Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: When you use your AMP Visa Debit card to make a purchase overseas or withdraw from an ATM overseas in a foreign currency and the transaction is converted to Australian dollars

• Emergency Replacement Amp Visa Debit Card Fee (Replacement), Amount: Not Listed.. Additional Information: When you request urgent delivery of a replacement access card

• Telegraphic Transfer Fee - Deposits (Deposit), Amount: Not Listed.. Additional Information: When funds are transferred to youraccount (by SWIFTor telegraphic transfer) from a bank in Australia or overseas (in Australian dollars).

• Telegraphic Transfer Fee - Withdrawals (Withdrawal), Amount: Not Listed.. Additional Information: When you request us to transfer funds from your account (by SWIFT) to a bank in Australia (in Australian dollars). When you request us to transfer fundsfrom your account (by telegraphic transfer) to an overseas bank (in Australian dollars or a foreign currency).

• Transaction Trace Fee (Event), Amount: Not Listed.. Additional Information: When you request us to investigate and trace a transaction

• Visa Dispute Fee (Event), Amount: Not Listed.. Additional Information: When you dispute a Visa transaction and we do not find in your favour

• Audit Certificate Fee (Event), Amount: Not Listed.. Additional Information: When you or an auditor request an audit certificate for your account

• $0 Amp First Annual Package Fee   (Periodic), Amount: Not Listed.. Additional Information: This fee is waived for this package type

• $0 Amp First Solicitor Fee (Upfront), Amount: Not Listed.. Additional Information: This fee is waived for this package type

• $0 Amp First Master Limit Application Fee (Upfront), Amount: Not Listed.. Additional Information: This fee is waived for this package type

• $0 Amp First Settlement Fee (Upfront), Amount: Not Listed.. Additional Information: This fee is waived for this package type

• $0 Amp First Variation Fee (Event), Amount: Not Listed.. Additional Information: This fee is waived for this package type

• $0 Amp First Valuation Fee (up To The Value Of $550) (Event), Amount: Not Listed.. Additional Information: This fee is waived for this package type

 Limitations & Restrictions (Constraints)

• Min Limit of 40000 Additional Information: Minimum lending amount for new home loans is $40,000

• Other of Additional Information: The loan term ranges from a minimum of 10 years to a maximum of 30 years

 Document Downloads