Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR 90 to 95%
AMP - My AMP Home Loan Rates
Online
Tracked products
304
Variable product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Example comparison rate
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Last updated
1 November 2026
AMP - My AMP is one of the Australian home-loan lenders we track daily. We currently surface 304 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?
Ratesniffers compares AMP - My AMP home loan products by comparison rate. Compare AMP - My AMP's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.
How many home loan products does AMP - My AMP offer?
Ratesniffers currently tracks 304 AMP - My AMP home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 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 - My AMP home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 2-year Owner-occupier P&I | 7.34% p.a. | n/a | 95% |
| Fixed 1-year Investor interest-only | 7.34% p.a. | n/a | 90% |
| Fixed 1-year Owner-occupier P&I | 7.34% p.a. | n/a | 95% |
| Fixed 2-year Investor interest-only | 7.34% p.a. | n/a | 90% |
| Fixed 5-year Owner-occupier interest-only | 6.94% p.a. | 7.35% p.a. | n/a |
| Fixed 5-year Investor P&I | 7.09% p.a. | 7.35% p.a. | n/a |
| Fixed 3-year Owner-occupier P&I | 6.89% p.a. | 7.39% p.a. | n/a |
| Fixed 1-year Owner-occupier interest-only | 7.39% p.a. | n/a | 90% |
| Fixed 2-year Owner-occupier interest-only | 7.39% p.a. | n/a | 90% |
| Fixed 3-year Investor interest-only | 7.39% p.a. | n/a | 90% |
| Fixed 3-year Owner-occupier P&I | 7.39% p.a. | n/a | 95% |
| Fixed 5-year Investor interest-only | 7.39% p.a. | n/a | 90% |
39 of 304 tracked AMP - My AMP home loan products
Interest
7.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,058
LVR 80 to 90%
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
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR 90 to 95%
Interest
7.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,058
LVR 80 to 90%
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
6.94%p.a.
Comparison*
7.35%p.a.
Est. interest only / month
$2,892
LVR ≤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.
Interest
7.09%p.a.
Comparison*
7.35%p.a.
Est. repayment
$3,357
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
7.39%p.a.
Est. repayment
$3,290
LVR 70 to 80%
Interest
7.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,079
LVR 80 to 90%
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
7.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,079
LVR 80 to 90%
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
7.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,079
LVR 80 to 90%
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
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR 90 to 95%
Interest
7.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,079
LVR 80 to 90%
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
7.04%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,340
LVR 90 to 95%
AMP - My AMPProfessional Variable 90% - 95% LVR $500k - $1m Owner Occupied P&I
VariableOnlineOffsetRedraw
Interest
7.04%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,340
LVR 90 to 95%
Interest
6.99%p.a.
Comparison*
7.42%p.a.
Est. repayment
$3,323
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
7.44%p.a.
Est. interest only / month
$2,871
LVR ≤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.
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR 90 to 95%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR 90 to 95%
Interest
7.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,100
LVR 80 to 90%
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
7.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,100
LVR 80 to 90%
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 $100k - $500k Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
7.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,100
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
6.84%p.a.
Comparison*
7.45%p.a.
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.94%p.a.
Comparison*
7.45%p.a.
Est. interest only / month
$2,892
LVR ≤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.
Interest
6.94%p.a.
Comparison*
7.47%p.a.
Est. repayment
$3,306
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
7.49%p.a.
Est. interest only / month
$2,850
LVR ≤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.
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR 90 to 95%
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR 90 to 95%
AMP - My AMPProfessional Variable 60% - 80% LVR $100k - $500k Owner Occupied IO (6 - 10 years)
VariableOnlineOffsetRedraw
Interest
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
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.
Interest
6.89%p.a.
Comparison*
7.50%p.a.
Est. interest only / month
$2,871
LVR ≤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.
Interest
6.84%p.a.
Comparison*
7.54%p.a.
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.94%p.a.
Comparison*
7.55%p.a.
Est. repayment
$3,306
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
7.56%p.a.
Est. interest only / month
$2,850
LVR ≤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.
Interest
6.89%p.a.
Comparison*
7.56%p.a.
Est. interest only / month
$2,871
LVR ≤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.
Interest
7.19%p.a.
Comparison*
7.56%p.a.
Est. repayment
$3,391
LVR ≤60%
AMP - My AMPProfessional Variable <60% LVR $100k - $500k Owner Occupied P&I
VariableOnlineOffsetRedraw
Interest
7.19%p.a.
Comparison*
7.56%p.a.
Est. repayment
$3,391
LVR ≤60%
AMP - My AMPProfessional Variable 80% - 90% LVR $100k - $500k Investment IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
7.56%p.a.
Comparison*
Not available
Est. interest only / month
$3,150
LVR 80 to 90%
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 80% - 90% LVR $100k - $500k Owner Occupied IO (1 - 5 years)
VariableOnlineOffsetRedraw
Interest
7.56%p.a.
Comparison*
Not available
Est. interest only / month
$3,150
LVR 80 to 90%
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
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR 90 to 95%
AMP - My AMPProfessional Variable 60% - 80% LVR $100k - $500k Investment P&I
VariableOnlineOffsetRedraw
Interest
7.24%p.a.
Comparison*
7.61%p.a.
Est. repayment
$3,407
LVR 60 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.
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 8 Oct 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?
Ratesniffers compares AMP - My AMP home loan products by comparison rate. Compare AMP - My AMP's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare AMP - My AMP at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
How much do you need to earn for a $500,000 AMP - My AMP home loan?
There is no single salary requirement for a AMP - My AMP home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish AMP - My AMP's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does AMP - My AMP's home loan rate compare to the market?
Compare AMP - My AMP's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
How many home loan products does AMP - My AMP offer?
Ratesniffers currently tracks 304 AMP - My AMP home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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?
Compare AMP - My AMP's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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.