AMP Home Loans

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AMP is one of the leading wealth management companies in Australia and provides a range of home loan products.

The Australian Mutual Provident Society (AMP) was founded in 1849 and offers an alternative to the big banks in the home loan market, providing loans with competitive interest rates, inclusive features and low or no fees. AMP allows borrowers to choose the features they want to build a loan that suits their financial situation.

AMP gives borrowers the option to include income protection, as well as life and disability insurance, retail banking products, superannuation services, retirement income offers and various other products designed for investors, and also multi-asset funds, share investments and financial advice.

AMP Home Loan Offer

AMP Essential Home Loan - $100,000 and above (Owner Occupier)

3.96 % p.a.

variable rate

3.98 % p.a.

comparison rate

AMP Home Loan Offer

With the AMP Essential Home Loan - Owner Occupier enjoy a home loan with no ongoing fees and you only need a deposit of at least 10%.

  • Interest rate of 3.96% p.a.
  • Comparison rate of 3.98% p.a.
  • Application fee of $0
  • Maximum LVR: 90%
  • Minimum borrowing: $100,000
  • Max borrowing: $2,000,000
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Compare AMP home loans

Rates last updated November 18th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.96%
3.98%
$0
$0 p.a.
90%
Take advantage of a redraw facility, competitive variable rate and no application or settlement fees for a limited time.
4.05%
4.09%
$0
$0 p.a.
90%
A basic variable loan with no monthly fees.
3.69%
4.06%
$0
$349 p.a.
90%
A variable package loan for a larger loan size with no monthly fees.
4.29%
4.65%
$0
$349 p.a.
90%
A packaged loan option for under $250 000.
3.79%
4.16%
$0
$349 p.a.
90%
A professional package option with redraw and offset facility.
5.73%
5.89%
$350
$10 monthly ($120 p.a.)
90%
Build a home or investment property and take advantage of interest only options with this loan.
5.50%
5.67%
$350
$10 monthly ($120 p.a.)
90%
Enjoy a 100% offset account, redraw facility, and up to 10 splits.
5.50%
5.56%
$350
$0 p.a.
90%
Purchase land to build on or hold as an investment and pay no monthly fees.
4.50%
5.58%
$350
$10 monthly ($120 p.a.)
90%
Customise your home loan to your liking for more flexibility.
5.04%
5.48%
$350
$10 monthly ($120 p.a.)
90%
4.60%
5.43%
$350
$10 monthly ($120 p.a.)
90%
4.60%
5.50%
$350
$10 monthly ($120 p.a.)
90%
4.60%
5.59%
$350
$10 monthly ($120 p.a.)
90%
6.21%
$350
$10 monthly ($120 p.a.)
90%
4.93%
4.45%
$350
$0 p.a.
90%
4.49%
4.20%
$350
$0 p.a.
90%
4.33%
4.14%
$350
$0 p.a.
90%
4.25%
4.11%
$350
$0 p.a.
90%
4.53%
$0
$349 p.a.
90%
5.00%
$0
$349 p.a.
80%
4.67%
$0
$349 p.a.
90%
Use the equity in your home to make your next investment move for your future.
4.93%
4.91%
$0
$0 p.a.
90%
3.99%
4.57%
$0
$0 p.a.
90%
4.33%
4.65%
$0
$0 p.a.
90%
4.25%
4.64%
$0
$0 p.a.
90%

Compare up to 4 providers

Rates last updated November 18th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
6.47%
6.64%
$350
$10 monthly ($120 p.a.)
50%
Enjoy a 100% offset account, redraw facility, and up to 10 splits.
4.87%
5.36%
$0
$0 p.a.
50%
4.91%
4.95%
$0
$0 p.a.
50%
A basic package loan with a competitive rate and no ongoing fee.
5.17%
6.51%
$350
$10 monthly ($120 p.a.)
50%
5.18%
5.46%
$0
$0 p.a.
50%
4.57%
5.32%
$0
$0 p.a.
50%
4.64%
5.37%
$0
$0 p.a.
50%
5.32%
$0
$349 p.a.
50%
5.19%
$0
$349 p.a.
50%
5.61%
6.27%
$350
$10 monthly ($120 p.a.)
50%
5.17%
6.27%
$350
$10 monthly ($120 p.a.)
50%
5.17%
6.39%
$350
$10 monthly ($120 p.a.)
50%
6.72%
$350
$10 monthly ($120 p.a.)
50%
5.47%
6.54%
$350
$10 monthly ($120 p.a.)
50%
Investors can customise their home loan while enjoying a sharp introductory rate.
5.18%
5.06%
$350
$0 p.a.
50%
5.19%
$0
$349 p.a.
50%
4.87%
4.94%
$350
$0 p.a.
50%
4.57%
4.89%
$350
$0 p.a.
50%
4.64%
4.92%
$350
$0 p.a.
50%
5.12%
5.14%
$0
$0 p.a.
50%
6.52%
6.54%
$350
$10 monthly ($120 p.a.)
50%
Build a home or investment property and take advantage of interest only options with this loan.
4.94%
5.28%
$0
$349 p.a.
50%
4.94%
5.28%
$0
$349 p.a.
50%
5.07%
5.41%
$0
$349 p.a.
50%
6.47%
6.54%
$350
$0 p.a.
50%
Purchase land to build on or hold as an investment and pay no monthly fees.

Compare up to 4 providers

The types of home loans offered by AMP

Professional Package home loan

The Professional Home Loan Package is available as a variable interest rate, a fixed interest rate or a line of credit.

You can get a pre-approved maximum borrowing amount with the Master Limit feature. This option allows you to use the extra money for shares, investment properties or various other opportunities for financial growth. As an additional advantage of the Master Limit option, you only have to make repayments on the funds that you use, and the amount you borrow can be available for your future investment needs for 10 years after applying. There's also a discount on your interest rate that applies for the variable rate loans and lines of credit.

The Professional Package Home Loan

Basic Package home loan

The AMP Basic Package is a simple and straightforward home loan with a competitive interest rate, as well as a range of options to keep your home loan flexible. This loan lets you split your home loan up to 10 times in any combination of fixed or variable rates, and offers the option of choosing interest-only repayments for five years. There are no monthly account management fees, and the loan offers a 100% offset account.

The Basic Package Home Loan

Classic Club home loan

Customise your home loan with the AMP Classic Club Home Loan and you may also be eligible for discounted introductory rates. You can combine fixed, variable and line of credit loans with up to 10 splits allowed. This loan also offers a 100% mortgage offset facility as well as the other features of the home loans you want to combine.

The Classic Club Variable Rate Loan

Construction loan

The AMP Construction Loan offers a competitive variable interest rate during the construction period along with the option of choosing from the range of AMP home loans when the construction has finished. Suitable for builders, renovators and landowners, this loan covers the construction period of a maximum of 12 months. You can build on the land you already own, or use it to buy vacant land to build your property within the year.

The Construction Loan

Land loan

If you need more than 12 months to build your property, then the AMP Land Loan may be more suitable for you. This loan has a variable interest rate for up to 30 years and you can redraw at any time without any penalties. There are also no monthly account fees and you can make additional repayments at any time without any early repayment fees.

The Land Loan


How do I apply for a home loan from AMP?

If one of the AMP home loans in the table above interests you, simply click the green application button and enter your details.

The application process for an AMP home loan is relatively simple, requiring only a simple application form to be filled in (you can also ask for help by contacting one of the AMP banking specialists by phone). You will only have to complete additional forms in the case you are a Guarantor or you need a loan for a company or a trust.

How to compare home loans so you can make an informed decision

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3 Responses

  1. Default Gravatar
    KimJuly 24, 2014

    Hi,
    I’m owning my own home, currently looking to down size and want know if you provide a bridge home loan.

    if yes, can you please provide details to my email.

    thank you.

    regards,

    Kim

    • Staff
      ShirleyJuly 25, 2014Staff

      Hi Kim,

      Thanks for your question.

      Please refer to the link I’ve emailed you regarding AMP Home loans.

      Cheers,
      Shirley

    • Staff
      ElizabethJuly 25, 2014Staff

      Hi Kim,

      Thanks for your question.

      AMP currently do not provide bridging loans. If you’d like to compare your other bridging finance options, you can do so on this page.

      Hope this helps.

      Thanks,

      Elizabeth

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