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AMP Bank home loans

AMP is a financial services company that was formed in 1849 as the Australian Mutual Provident Society.

The company also includes AMP Capital, one of the largest investment managers in Asia Pacific with operations throughout the world. AMP has a head office in Sydney and provides a number of services, such as financial planning and banking products as well as investment advice through AMP Capital.

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Why choose AMP Bank

Benefits

  • Flexible repayment and loan options available
  • Discounted rates on some loans
  • Specialised loans available
  • Moderately-low rates on most loans

Drawbacks

  • Ongoing fees charged on some loans
  • Limited interest-only payments

AMP Bank Home Loans

Loan amount

$

Minimum deposit

Loan type & Term

Sort by

Default

6.49%

7.25%

$1,893

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Professional Package Investment Loan Fixed (Interest Only)
  • Investor
  • Fixed 1 year
  • 20% min deposit
  • Interest Only

6.64%

6.67%

$2,394

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Essential Investment Loan (LVR ≤ 90%)
  • Investor
  • Variable
  • 10% min deposit
  • P&I

6.19%

6.22%

$2,296

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Professional Package Home Loan Fixed (Principal and Interest)
  • Owner Occupied
  • Fixed 1 year
  • 20% min deposit
  • P&I

6.34%

6.37%

$2,328

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Essential Home Loan (LVR ≤ 60%)
  • Special
  • Owner Occupied
  • Variable
  • 40% min deposit
  • P&I

6.44%

6.47%

$2,350

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Essential Home Loan (LVR ≤ 80%)
  • Special
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

6.49%

6.52%

$2,361

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Essential Home Loan (LVR ≤ 90%)
  • Owner Occupied
  • Variable
  • 10% min deposit
  • P&I

6.54%

6.57%

$2,372

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Essential Investment Loan (LVR ≤ 60%)
  • Special
  • Investor
  • Variable
  • 40% min deposit
  • P&I

6.64%

6.67%

$2,394

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Essential Investment Loan (LVR ≤ 80%)
  • Special
  • Investor
  • Variable
  • 20% min deposit
  • P&I

5.99%

6.97%

$2,253

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Professional Package Home Loan Fixed (Principal and Interest)
  • Owner Occupied
  • Fixed 3 years
  • 20% min deposit
  • P&I

6.44%

6.97%

$2,350

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Professional Package Home Loan Fixed (Principal and Interest)
  • Owner Occupied
  • Fixed 5 years
  • 20% min deposit
  • P&I

6.09%

7.00%

$2,274

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Professional Package Investment Loan Fixed (Principal and Interest)
  • Investor
  • Fixed 3 years
  • 20% min deposit
  • P&I

6.54%

7.02%

$2,372

Australian Credit Licence 234517

Fees & charges apply

Product info
AMP Bank Limited
AMP Bank Professional Package Investment Loan Fixed (Principal and Interest)
  • Investor
  • Fixed 5 years
  • 20% min deposit
  • P&I

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

$0

at interest rate 5%

Total interest payable

$0

Total loan repayments

$0

Contact a mortgage broker

AMP Bank homeloans are vailable through brokers who can help find the right loan and manage your application at no charge.

broker profile picture

Joseph Khalil

NSW2122
Customer Representative Number: 528386
5.0
15 Google reviews

Get expert advice from a home loans specialist.

Working as the Director and Loan Specialist of With Finance allows me to go above and beyond for my clients by taking a ...

View Profile
broker profile picture

Kushen Shrestha

VIC3004
Customer Representative Number: 545935

Get expert advice from a home loans specialist.

I am a qualified finance professional. I have worked with clients of all backgrounds and assisted them to achieve their ...

View Profile
broker profile picture

Matt Mara

NSW2027
Customer Representative Number: 530577

Get expert advice from a home loans specialist.

LoanCaddie is a financial services firm specialising in finance broking and strategic credit advice. Mathew is a leader...

View Profile

AMP Bank customer service

Home loan customers can contact AMP by phone to discuss home loans, new customer enquiries, general banking enquiries, as well as superannuation, insurance and retirement queries. You can also contact the bank via email. Customers can also request an appointment through an affiliated network of financial advisers that can be found via the AMP website.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat

How to apply for AMP Bank home loans

There are several ways to apply for an AMP Bank home loan. You can download an application form from the AMP website and arrange an appointment with an AMP Bank home loan specialist. You can also apply by phone or request the bank contact you when convenient. 

Before applying for a home loan, consider how much you can afford to borrow and comfortably repay given your financial situation and income. 

You will also need to provide documentation when applying for a home loan, including (amongst others):

  • Identification.
  • Proof of employment, income and assets.
  • Information on current liabilities, debts and loans.
  • Details of other earnings and expenses.

Refinancers will also be required to provide home loan statements for the previous six months and their last three statements for all loans, accounts or cards being refinanced (if you plan to consolidate these other debts into your mortgage).

AMP Bank home loans review

As a large financial services company, AMP can offer Australians a variety of home loan options.

AMP Bank home loans are available with variable interest rates, or you can fix your interest for up to five years, or choose to split your rate. Options are available for owner occupiers and investors, as well as refinancers. Construction loans are also available for borrowers seeking to build or renovate a property.

AMP’s lowest home loan interest rates tend to be for owner occupiers paying principal and interest. Eligible corporate super members and AMP Limited shareholders may also be able to access special interest rate offers on AMP Bank home loans.

Many AMP Bank home loans have no upfront or ongoing fees. However, other fees and charges may apply on specific home loan offers, or when you use specific home loan features. 

Offset accounts are also available for selected AMP Bank home loans upon request, and may be applied for separately. Extra repayments and redraws are also available with AMP Bank home loans upon request.  

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.