Interest
5.99%p.a.
Comparison*
Not available
Est. repayment
$2,995
LVR ≤60%
AMP Bank GO Home Loan Rates
Online
Tracked products
256
Lowest variable
5.99%
Lowest fixed
6.39%
Lowest comparison
—
Last updated
30 Aug 2026
AMP Bank GO is the digital-first home-loan brand of AMP Bank, the banking arm of AMP Limited. Targeted at PAYG owner-occupiers, it bundles 100% offset and redraw with no monthly fees on a single variable product line. AMP also runs a separate Professional Package range for higher-LVR and complex scenarios.
What are AMP Bank GO home loan rates?
AMP Bank GO home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.99% p.a. and the lowest fixed rate currently 6.39% p.a., last verified 30 Aug 2026. Compare AMP Bank GO against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest AMP Bank GO home loan rate?
The lowest AMP Bank GO variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 59 AMP Bank GO products on this page that pass data-quality checks, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does AMP Bank GO offer?
Ratesniffers currently tracks 256 AMP Bank GO home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 59 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
AMP's established, broker-distributed package range, My AMP, is worth comparing against the digital-first GO range above.
AMP Bank GO home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 5.99% p.a. | 60% |
| Variable Owner-occupier P&I | 6.08% p.a. | 80% |
| Variable Investor P&I | 6.14% p.a. | 60% |
| Variable Investor P&I | 6.19% p.a. | 60% |
| Variable Owner-occupier P&I | 6.19% p.a. | 60% |
| Variable Investor P&I | 6.22% p.a. | 80% |
| Variable Owner-occupier P&I | 6.28% p.a. | 60% |
| Variable Owner-occupier P&I | 6.28% p.a. | 80% |
| Variable Owner-occupier P&I | 6.29% p.a. | 60% |
| Variable Owner-occupier P&I | 6.29% p.a. | 80% |
| Variable Investor P&I | 6.29% p.a. | 80% |
| Variable Owner-occupier P&I | 6.29% p.a. | 80% |
59 of 256 tracked AMP Bank GO home loan products
Interest
6.08%p.a.
Comparison*
Not available
Est. repayment
$3,024
LVR 60 to 80%
Interest
6.14%p.a.
Comparison*
Not available
Est. repayment
$3,043
LVR ≤60%
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR ≤60%
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR ≤60%
Interest
6.22%p.a.
Comparison*
Not available
Est. repayment
$3,069
LVR 60 to 80%
Interest
6.28%p.a.
Comparison*
Not available
Est. repayment
$3,088
LVR ≤60%
Interest
6.28%p.a.
Comparison*
Not available
Est. repayment
$3,088
LVR 60 to 80%
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR ≤60%
AMP Bank GOProfessional Variable 60% - 80% LVR $500k - $1m Owner Occupied P&I
VariableOnlineOffsetRedraw
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR 60 to 80%
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR 60 to 80%
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR 60 to 80%
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR 80 to 90%
Interest
6.34%p.a.
Comparison*
Not available
Est. repayment
$3,108
LVR ≤60%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤80%
AMP Bank GOProfessional Variable <60% LVR $1m+ Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤60%
AMP Bank GOProfessional Variable <60% LVR $1m+ Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤60%
AMP Bank GOProfessional Variable <60% LVR $500k - $1m Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤60%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤60%
AMP Bank GOProfessional Variable <60% LVR $500k - $1m Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤60%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 60 to 80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤60%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 60 to 70%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 80 to 90%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 80 to 90%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 80 to 90%
AMP Bank GOProfessional Variable 80% - 90% LVR $500k - $1m Owner Occupied P&I
VariableOnlineOffsetRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 80 to 90%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
AMP Bank GOProfessional Variable <60% LVR $1m+ Investment IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤60%
AMP Bank GOProfessional Variable <60% LVR $1m+ Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤60%
AMP Bank GOProfessional Variable <60% LVR $500k - $1m Investment IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤60%
AMP Bank GOProfessional Variable <60% LVR $500k - $1m Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤60%
AMP Bank GOProfessional Variable 60% - 80% LVR $1m+ Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 60 to 80%
AMP Bank GOProfessional Variable 60% - 80% LVR $1m+ Owner Occupied IO (1 - 5 Years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 60 to 80%
AMP Bank GOProfessional Variable 60% - 80% LVR $500k - $1m Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 60 to 80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 60 to 80%
AMP Bank GOProfessional Variable 60% - 80% LVR $500k - $1m Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 60 to 80%
AMP Bank GOProfessional Variable 60% - 80% LVR $1m+ Investment IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 60 to 80%
AMP Bank GOProfessional Variable 60% - 80% LVR $1m+ Owner Occupied IO (6 - 10 Years)
VariableOnlineOffsetRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 60 to 80%
AMP Bank GOProfessional Variable 60% - 80% LVR $500k - $1m Investment IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 60 to 80%
AMP Bank GOProfessional Variable 60% - 80% LVR $500k - $1m Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 60 to 80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤60%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 80 to 90%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 80 to 90%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 80 to 90%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤60%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤60%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 80 to 90%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 60 to 70%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.60%p.a.
Comparison*
Not available
Est. repayment
$3,193
LVR ≤80%
Interest
6.60%p.a.
Comparison*
Not available
Est. repayment
$3,193
LVR ≤80%
Interest
6.60%p.a.
Comparison*
Not available
Est. repayment
$3,193
LVR ≤80%
Interest
6.60%p.a.
Comparison*
Not available
Est. repayment
$3,193
LVR ≤80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
AMP Bank GO home loan repayment calculator
Pre-filled with AMP Bank GO's lowest advertised variable rate in the table above, 5.99% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
AMP Bank GO's lowest variable today: 5.99%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$2,995
Fortnightly repayment
$1,382
Total interest
$578,034
30 years at 5.99% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is AMP Bank GO?
AMP Bank GO is AMP's digital-first banking offering, launched alongside its 175-year-old parent's push to rebuild banking around a mobile-first experience for everyday customers and small businesses.
The GO-badged lending products carry AMP Bank's licence and prudential backing, with the digital experience and pricing aimed at self-service borrowers.
Who suits a AMP Bank GO home loan?
AMP Bank GO tends to suit digitally comfortable borrowers with straightforward scenarios who want a big-institution licence behind an app-first product. Compare its rates against both the digital leaders and its own My AMP stablemates in the table above, the same group can price the two brands differently.
Background facts checked 4 September 2026. Rates above refresh independently.
AMP Bank GO fees, offset and limits at a glance
- Application or establishment fee
- Company/trust applications $2,500 (collected at settlement). No establishment fees for other applicants.
- Discharge fee
- $490
- Settlement fee
- $349
- Additional valuation fee
- $220
- Rate lock fee
- 0.15% of fixed rate loan amount
- Loan portability
- $299 plus any solicitor’s or mortgage processing costs, valuation costs if applicable and any government fees…
- Offset account
- 100%. Offset only available on select variable rate products.
- Minimum offset balance
- Can open with $0 and can be left open without interest benefit after a loan has been discharged with us as…
- Lenders mortgage insurer
- Helia. If an older existing policy requires update (not renewal) it can be forwarded to QBE if previously…
- Capitalising LMI
- Available
- Extra repayments on fixed
- $10k max per year, if exceeded fees are charged in line with current break costs
- When the fixed rate is locked
- Rate on the day of settlement applies, unless rate lock is paid, then rate will be held for up to 90 days
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
AMP Bank GO home loans: frequently asked questions
What are AMP Bank GO home loan rates?
AMP Bank GO home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.99% p.a., and the lowest fixed rate is 6.39% p.a., last verified 30 Aug 2026. Compare AMP Bank GO against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a AMP Bank GO balance, use /calculators/extra-repayment.
What is the lowest AMP Bank GO home loan rate?
AMP Bank GO's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.39% p.a., based on the 59 AMP Bank GO products Ratesniffers ranks by comparison rate, last verified 30 Aug 2026. The advertised rate isn't always the rate AMP Bank GO approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 AMP Bank GO home loan?
At AMP Bank GO's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 AMP Bank GO home loan?
There is no single salary. Like every Australian lender, AMP Bank GO must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.99% p.a. is assessed at about 8.99% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does AMP Bank GO's home loan rate compare to the market?
AMP Bank GO's lowest variable home loan rate today is 5.99% p.a., which is 20 basis points below the market median of 6.19% p.a., which puts AMP Bank GO among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where AMP Bank GO sits right now rather than a fixed snapshot.
How many home loan products does AMP Bank GO offer?
Ratesniffers currently tracks 256 AMP Bank GO home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 59 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
How often are AMP Bank GO's home loan rates updated?
Ratesniffers last verified AMP Bank GO's home loan rates on 30 Aug 2026. Rates can change whenever AMP Bank GO reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.