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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.
Personal Finance Editor
Content updated
Product data updated
Why choose AMP Bank
AMP Bank Home Loans
Loan amount
Minimum deposit
Loan type & Term
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5.59%
5.62%
$2,168
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Essential Home Loan (LVR ≤ 60%)
- Special
- Owner Occupied
- Variable
- 40% min deposit
- P&I
5.69%
5.72%
$2,189
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Essential Home Loan (LVR ≤ 80%)
- Special
- Owner Occupied
- Variable
- 20% min deposit
- P&I
5.74%
5.77%
$2,200
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Essential Home Loan (LVR ≤ 90%)
- Owner Occupied
- Variable
- 10% min deposit
- P&I
5.79%
5.82%
$2,210
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Essential Investment Loan (LVR ≤ 60%)
- Special
- Investor
- Variable
- 40% min deposit
- P&I
5.89%
5.92%
$2,232
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Essential Investment Loan (LVR ≤ 90%)
- Investor
- Variable
- 10% min deposit
- P&I
5.89%
5.92%
$2,232
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Essential Investment Loan (LVR ≤ 80%)
- Special
- Investor
- Variable
- 20% min deposit
- P&I
5.39%
6.28%
$2,126
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Professional Package Investment Loan Fixed (Principal and Interest)
- Investor
- Fixed 3 years
- 20% min deposit
- P&I
5.39%
6.28%
$2,126
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Professional Package Home Loan Fixed (Principal and Interest)
- Owner Occupied
- Fixed 3 years
- 20% min deposit
- P&I
5.79%
6.28%
$2,210
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Professional Package Home Loan Fixed (Principal and Interest)
- Owner Occupied
- Fixed 5 years
- 20% min deposit
- P&I
5.84%
6.29%
$1,703
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Professional Package Home Loan Fixed (Interest Only)
- Owner Occupied
- Fixed 5 years
- 20% min deposit
- Interest Only
5.84%
6.29%
$1,703
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Professional Package Investment Loan Fixed (Interest Only)
- Investor
- Fixed 5 years
- 20% min deposit
- Interest Only
5.54%
6.31%
$1,616
Australian Credit Licence 234517
Fees & charges apply
AMP Bank Professional Package Home Loan Fixed (Interest Only)
- Owner Occupied
- Fixed 3 years
- 20% min deposit
- Interest Only
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated mortgage repayments
Total interest
$0
Total repayments
$0
- All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
- The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
- At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
- The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
- One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
- The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
- After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.
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
- 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.