Interest
6.08%p.a.
Comparison*
6.11%p.a.
Est. repayment
$3,024
LVR 60 to 80%
AMP - My AMP Home Loan Rates
Online
Tracked products
50
Lowest variable
6.08%
Lowest fixed
6.38%
Lowest comparison
6.11%
Last updated
25 Aug 2026
AMP - My AMP is one of the Australian home-loan lenders we track daily. We currently surface 50 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 are AMP - My AMP home loan rates?
AMP - My AMP home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.08% p.a. and the lowest fixed rate currently 6.38% p.a., last verified 25 Aug 2026. Compare AMP - My AMP 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 - My AMP home loan rate?
The lowest AMP - My AMP variable home loan rate Ratesniffers tracks is 6.08% p.a., and the lowest fixed rate is 6.38% p.a. These figures come from the 46 AMP - My AMP products on this page that pass data-quality checks, ranked by comparison rate, last verified 25 Aug 2026.
How many home loan products does AMP - My AMP offer?
Ratesniffers currently tracks 50 AMP - My AMP home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 46 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 also runs a digital-first range under its AMP Bank GO brand, worth comparing against the broker-distributed My AMP range above.
AMP - My AMP home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.08% p.a. | 6.11% p.a. | n/a |
| Variable Owner-occupier P&I | 6.13% p.a. | 6.13% p.a. | n/a |
| Variable Investor P&I | 6.22% p.a. | 6.25% p.a. | n/a |
| Variable Investor P&I | 6.34% p.a. | 6.34% p.a. | n/a |
| Fixed 1-year Owner-occupier P&I | 6.38% p.a. | 6.16% p.a. | n/a |
| Fixed 2-year Owner-occupier P&I | 6.38% p.a. | 6.18% p.a. | n/a |
| Variable Investor interest-only | 6.43% p.a. | 6.38% p.a. | n/a |
| Fixed 3-year Owner-occupier P&I | 6.48% p.a. | 6.23% p.a. | n/a |
| Fixed 1-year Investor P&I | 6.48% p.a. | 6.35% p.a. | n/a |
| Fixed 2-year Investor P&I | 6.48% p.a. | 6.37% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.54% p.a. | 6.30% p.a. | n/a |
| Fixed 3-year Investor P&I | 6.58% p.a. | 6.41% p.a. | n/a |
46 of 50 tracked AMP - My AMP home loan products
Interest
6.13%p.a.
Comparison*
6.13%p.a.
Est. repayment
$3,040
LVR ≤90%
Interest
6.22%p.a.
Comparison*
6.25%p.a.
Est. repayment
$3,069
LVR 60 to 80%
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR ≤90%
Interest
6.38%p.a.
Comparison*
6.16%p.a.
Est. repayment
$3,121
LVR ≤90%
Interest
6.38%p.a.
Comparison*
6.18%p.a.
Est. repayment
$3,121
LVR ≤90%
Interest
6.43%p.a.
Comparison*
Not available
Est. repayment
$3,137
LVR ≤80%
Interest
6.48%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,154
LVR ≤90%
Interest
6.48%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,154
LVR ≤90%
Interest
6.48%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,154
LVR ≤90%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤80%
Interest
6.58%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,187
LVR ≤90%
Interest
6.59%p.a.
Comparison*
6.18%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.22%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.28%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,088
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.78%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,253
LVR ≤90%
Interest
6.39%p.a.
Comparison*
6.80%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
6.80%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.88%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,286
LVR ≤80%
Interest
6.88%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,286
LVR ≤90%
Interest
6.88%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,286
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.89%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
7.17%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
7.19%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.65%p.a.
Comparison*
7.19%p.a.
Est. repayment
$3,210
LVR ≤80%
Interest
6.65%p.a.
Comparison*
7.19%p.a.
Est. repayment
$3,210
LVR ≤80%
Interest
6.89%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.89%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.39%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,290
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
7.23%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.60%p.a.
Comparison*
7.24%p.a.
Est. repayment
$3,193
LVR ≤80%
Interest
6.60%p.a.
Comparison*
7.24%p.a.
Est. repayment
$3,193
LVR ≤80%
Interest
6.39%p.a.
Comparison*
7.30%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
7.31%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.60%p.a.
Comparison*
7.31%p.a.
Est. repayment
$3,193
LVR ≤80%
Interest
6.60%p.a.
Comparison*
7.31%p.a.
Est. repayment
$3,193
LVR ≤80%
Interest
6.99%p.a.
Comparison*
7.36%p.a.
Est. repayment
$3,323
LVR 70 to 80%
Interest
7.19%p.a.
Comparison*
7.43%p.a.
Est. repayment
$3,391
LVR 70 to 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 - My AMP home loan repayment calculator
Pre-filled with AMP - My AMP's lowest advertised variable rate in the table above, 6.08% 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 - My AMP's lowest variable today: 6.08%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,024
Fortnightly repayment
$1,395
Total interest
$588,466
30 years at 6.08% (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 - 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 4 September 2026. Rates above refresh independently.
AMP - My AMP 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 - My AMP home loans: frequently asked questions
What are AMP - My AMP home loan rates?
AMP - My AMP home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.08% p.a., and the lowest fixed rate is 6.38% p.a., last verified 25 Aug 2026. Compare AMP - My AMP 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 - My AMP balance, use /calculators/extra-repayment.
What is the lowest AMP - My AMP home loan rate?
AMP - My AMP's lowest variable home loan rate is currently 6.08% p.a., and its lowest fixed rate is 6.38% p.a., based on the 46 AMP - My AMP products Ratesniffers ranks by comparison rate, last verified 25 Aug 2026. The advertised rate isn't always the rate AMP - My AMP approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 AMP - My AMP home loan?
At AMP - My AMP's lowest variable rate of 6.08% p.a., a $600,000 principal and interest loan over 30 years repays about $3,628 a month, and $500,000 about $3,024. 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 - My AMP home loan?
There is no single salary. Like every Australian lender, AMP - My AMP 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 6.08% p.a. is assessed at about 9.08% 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 - My AMP's home loan rate compare to the market?
AMP - My AMP's lowest variable home loan rate today is 6.08% p.a., which is 16 basis points below the market median of 6.24% p.a., which puts AMP - My AMP 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 - My AMP sits right now rather than a fixed snapshot.
How many home loan products does AMP - My AMP offer?
Ratesniffers currently tracks 50 AMP - My AMP home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 46 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.
Is AMP - My AMP competitive for refinancing?
It depends on your loan size and LVR. AMP - My AMP's lowest comparison rate is currently 6.11% 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 last verified AMP - My AMP's home loan rates on 25 Aug 2026. Rates can change whenever AMP - My AMP reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.