Interest
6.33%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,105
LVR ≤90%
AMP - My AMP · Offset · Updated November 2026
AMP - My AMP Offset Account Home Loans, November 2026
AMP - My AMP lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.33% p.a. (comparison rate 6.36% p.a.), on AMP First Home Loan. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
View AMP - My AMP current productsCompare the live market50+ lenders tracked · ranked by comparison rate · no paid placement
AMP - My AMP offset home loan rates, November 2026
Interest
6.33%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,105
LVR 70 to 80%
AMP - My AMPProfessional Variable <60% LVR $1m+ Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $1m+ Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $500k - $1m Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $500k - $1m Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $1m+ Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $1m+ Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $500k - $1m Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $500k - $1m Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR ≤90%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 70 to 80%
AMP - My AMPProfessional Variable <60% LVR $1m+ Investment IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $1m+ Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $500k - $1m Investment IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $500k - $1m Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable 60% - 80% LVR $1m+ Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR 60 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable 60% - 80% LVR $1m+ Owner Occupied IO (1 - 5 Years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR 60 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable 60% - 80% LVR $500k - $1m Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR 60 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable 60% - 80% LVR $500k - $1m Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR 60 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $1m+ Investment IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AMP - My AMPProfessional Variable <60% LVR $1m+ Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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 · Offset
AMP - My AMP offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also AMP - My AMP's full product range, repayment calculator, and offset savings calculator.