Offset home loan rates
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Variable rates from 1
% P.A
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Comparison rate (ii)
% P.A
Variable interest1 and comparison rates(ii) for owner-occupied Professional Package home loans with principal and interest repayments.
Open up to 10 offset accounts to help reduce your interest
Make unlimited repayments on variable rate home loans
Choose between weekly, fortnightly, or monthly repayments
Request to redraw money paid above the minimum repayments
We provide same day approval to eligible borrowers.**
Variable rates from
% P.A
Comparison rate
% P.A
Variable rates from
% P.A
Comparison rate
% P.A
*An Offset home loan is a home loan with fixed, variable and Line of Credit options. Offsets are available for variable loans. A package fee is applicable.
AMP Bank customer
Open up to 10 offset accounts to help reduce your interest and manage your repayments.
Our secure, digital application process guides you through the necessary steps to complete your application efficiently.
Request to redraw money you've paid above the minimum repayments required on our variable home loans.
Access extra funds when you need to, with AMP home loan master limit*, line of credit and increase options.
See all home loan calculators
See how much you could borrow based on your income and expenses.
Get a clear idea of your monthly repayments and ways to reduce your interest.
Enter your current loan details to see how much you could save by refinancing.
Whether you’re purchasing a home, refinancing, or want to know how much you can borrow, our local home loan specialists are here to help.
Call us 1300 534 325
Email us info@ampbanking.com.au
Mon - Fri 8am - 8pm Sydney time
Call us 13 13 13
Email us direct_lending@ampbanking.com.au
Mon - Fri 8am - 8pm Sydney time
Sat & Sun 9am - 5pm Sydney time
The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.
It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.
Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.
This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.
AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.
A target market determination for these products is available on our TMD page.
Footnotes
1 Owner Occupied Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and is subject to change.
2 Investment Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and is subject to change.
3 Valuation fee is free up to the value of $550.
(i) Rates are subject to change.
(ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
(iii) Available for new loans only.
(iv) View a full list of Reference Rates and their values.
* The Master Limit feature is an overall lending limit that is available for a borrower’s financing needs, now and in the future. It can provide flexibility to borrowers to restructure their debts. Product specific rules apply. Request to add Master Limit may be approved on a new loan application, or an existing loan with payment of $299 variation fee. Approval subject to AMP Bank guidelines. Excludes Land Loans, Basic Package and AMP Essential home loan. Contact AMP Bank on 13 30 30 for more information.
** In many cases a conditional approval will be provided immediately after submission. The time to receive a full unconditional approval will vary. Where only identification is required, an immediate response to our SMS to complete this could result in an unconditional approval within an hour. Unconditional approval could take longer if we need to seek clarifications from you, or if we need to undertake a physical inspection of your property. The speed of response is also dependant on the time a second applicant takes to confirm their application details, and for all applicants to complete the biometric ID check.