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AMP - My AMP logo

AMP - My AMP Home Loan Rates

Online
Active products
48
Lowest variable
6.18%
Lowest fixed
6.39%
Lowest comparison
6.22%
Last updated
28 July 2026

AMP - My AMP is one of the Australian home-loan lenders we track daily. We currently surface 48 active products from AMP - My AMP, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest AMP - My AMP home loan rate?

The lowest AMP - My AMP variable home loan rate Ratesniffers tracks is 6.18% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 44 AMP - My AMP products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does AMP - My AMP offer?

Ratesniffers currently tracks 44 AMP - My AMP home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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 - My AMP home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.18% p.a.6.22% p.a.100%
Variable Owner-occupier P&I6.18% p.a.6.22% p.a.100%
Variable Owner-occupier P&I6.18% p.a.6.22% p.a.100%
Variable Investor P&I6.34% p.a.6.38% p.a.100%
Variable Investor P&I6.34% p.a.6.38% p.a.100%
Variable Investor P&I6.34% p.a.6.38% p.a.100%
Variable Investor P&I6.34% p.a.6.38% p.a.100%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%
Fixed 2-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%
Fixed 2-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%
Variable Investor interest-only6.44% p.a.6.48% p.a.100%

44 AMP - My AMP home loan products

AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.18%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,056
LVR ≤90%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.18%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,056
LVR 70–80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤90%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤90%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
More details
AMP - My AMP logoOnline
AMP Superedge Loan
InvestorVariableInterest onlyOffsetExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
More details
AMP - My AMP logoOnline
Professional Package
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤90%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.65%p.a.
Comparison*
6.69%p.a.
Monthly repayment
$3,210
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.65%p.a.
Comparison*
6.69%p.a.
Monthly repayment
$3,210
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.65%p.a.
Comparison*
6.69%p.a.
Monthly repayment
$3,210
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.65%p.a.
Comparison*
6.69%p.a.
Monthly repayment
$3,210
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤90%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 70–80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
More details
AMP - My AMP logoOnline
AMP First Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
More details
AMP - My AMP logoOnline
Professional Package
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
More details

Negotiate AMP - My AMP rates with a broker

Advertised rates aren't always the rate AMP - My AMP actually approves. Our broker negotiates against your specific scenario, no fee.

Talk to a broker

Who is AMP - My AMP?

AMP Bank is the banking arm of AMP, the wealth institution founded in 1849, and its My AMP home-loan range is the established product set, package loans, offset and investor options, distributed heavily through brokers.

AMP has been rebuilding its lending around digital origination, piloting a new broker platform in 2025, while its pricing positions it as a challenger to the majors rather than a rate leader.

Who suits a AMP - My AMP home loan?

AMP tends to suit borrowers who want a full-featured package loan, particularly investors juggling multiple offsets, from a name they know outside the big four. Its comparison rates sit mid-market more often than top-of-table, so check where it lands in the live rankings above.

Background facts checked 21 July 2026. Rates above refresh independently.

AMP - My AMP home loans: frequently asked questions

What is the lowest AMP - My AMP home loan rate?

AMP - My AMP's lowest variable home loan rate is currently 6.18% p.a., and its lowest fixed rate is 6.39% p.a., based on the 44 AMP - My AMP products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate AMP - My AMP approves, a broker can often negotiate a sharper deal on your scenario.

How does AMP - My AMP's home loan rate compare to the market?

AMP - My AMP's lowest variable home loan rate today is 6.18% p.a., which is 9 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking AMP - My AMP to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where AMP - My AMP sits right now rather than a fixed snapshot.

How many home loan products does AMP - My AMP offer?

Ratesniffers currently tracks 48 AMP - My AMP home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 44 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is AMP - My AMP competitive for refinancing?

It depends on your loan size and LVR. AMP - My AMP's lowest comparison rate is currently 6.22% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing AMP - My AMP against the sharpest available rate usually pays off.

How often are AMP - My AMP's home loan rates updated?

Ratesniffers refreshes AMP - My AMP's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever AMP - My AMP reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

AMP - My AMP rates by borrower and loan type

The same AMP - My AMP panel, filtered to the scenario you're actually shopping for.

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The whole visible panel, sliced by what borrowers actually search for.

Research AMP - My AMP

Our independent review, and how they stack up head to head.

Other lenders you might compare

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Mortgage guides and market context

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