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AMP MyAMP · Home loans
AMP Essential Home Loan
AMP Essential Home Loan is a home loan. The figures are the ones AMP MyAMP publishes under the Consumer Data Right today. The advertised rate last moved on 2 October 2026, up from 5.99% to 6.24%.
Advertised rate
6.24%
headline tier
Comparison rate
6.27%
as published
Last moved
+0.25pp
2 October 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (20)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 50%, $750,000 to $99,999,999essential_oo_tier2 | 6.24% | 6.27% |
| Variable, Owner occupier, P&I, LVR 50 to 60%, $750,000 to $99,999,999essential_oo_tier2 | 6.24% | 6.27% |
| Variable, Owner occupier, P&I, LVR 60 to 80%, $750,000 to $99,999,999essential_oo_tier2 | 6.33% | 6.36% |
| Variable, Investor, P&I, LVR up to 50%, $750,000 to $99,999,999essential_inv_tier4 | 6.39% | 6.42% |
| Variable, Investor, P&I, LVR 50 to 60%, $750,000 to $99,999,999essential_inv_tier4 | 6.39% | 6.42% |
| Variable, Investor, P&I, LVR up to 50%, $250,000 to $749,999essential_inv_tier3 | 6.44% | 6.47% |
| Variable, Owner occupier, P&I, LVR up to 50%, $250,000 to $749,999essential_oo_tier1 | 6.44% | 6.47% |
| Variable, Owner occupier, P&I, LVR 50 to 60%, $250,000 to $749,999essential_oo_tier1 | 6.44% | 6.47% |
| Variable, Investor, P&I, LVR 50 to 60%, $250,000 to $749,999essential_inv_tier3 | 6.44% | 6.47% |
| Variable, Investor, P&I, LVR 60 to 80%, $750,000 to $99,999,999essential_inv_tier4 | 6.47% | 6.50% |
| Variable, Investor, P&I, LVR 60 to 80%, $250,000 to $749,999essential_inv_tier3 | 6.54% | 6.57% |
| Variable, Owner occupier, P&I, LVR 60 to 80%, $250,000 to $749,999essential_oo_tier1 | 6.54% | 6.57% |
| Variable, Owner occupier, P&I, LVR 80 to 90%, $750,000 to $99,999,999essential_oo_tier2 | 6.54% | 6.57% |
| Variable, Investor, P&I, LVR 80 to 90%, $750,000 to $99,999,999essential_inv_tier4 | 6.64% | 6.67% |
| Variable, Owner occupier, P&I, LVR 80 to 90%, $250,000 to $749,999essential_oo_tier1 | 6.64% | 6.67% |
| Variable, Investor, P&I, LVR 80 to 90%, $250,000 to $749,999essential_inv_tier3 | 6.79% | 6.82% |
| Variable, Owner occupier, P&I, LVR 90 to 95%, $750,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 6.94% | 6.97% |
| Variable, Owner occupier, P&I, LVR 90 to 95%, $250,000 to $749,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.04% | 7.07% |
| Variable, Investor, P&I, LVR 90 to 95%, $250,000 to $749,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.14% | 7.17% |
| Variable, Investor, P&I, LVR 90 to 95%, $750,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.19% | 7.22% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Multiple Security Feeupfront: Per security. | $250 |
| Valuation feewhen it happens: Payable when valuation costs associated with a loan application or variation exceed $550. | see lender |
| Rework feewhen it happens: Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer. | $249 |
| AMP internal refinance feeupfront: Payable on settlement. | $299 |
| Variation feewhen it happens: Plus any solicitor's or mortgage processing costs, valuation costs if applicable and any government fees which may vary from state to state. | $299 |
| Discharge feeon exit: Payable when we are requested to discharge all securities. | $490 |
| Verification of identity by Australia Postwhen it happens: Payable when you obtain a Verification of Identity service from an Australia Post office. | see lender |
| Payment dishonour feesdishonour: You may be charged a fee by an external bank or financial institution for a transaction relating to your loan (eg. | see lender |
| Solicitors and mortgage processing servicers' costupfront: Whenever a new loan agreement is established and we instruct our solicitors or mortgage processing servicers' to act on our behalf in connection with this agree | $295 |
| Solicitors' and mortgage processing servicers' incidental costswhen it happens: Per security property. | $82.50 |
| Solicitor or mortgage processing servicer non-standard additional costswhen it happens: Non-standard additional costs that may be payable, including courier costs, telegraphic transfer costs, cost to arrange settlement in a remote area and costs fo | see lender |
| International ATM cash withdrawal feeper withdrawal: When you withdraw from your account at any international ATM | $4.50 |
Other AMP MyAMP home loans
AMP First Home Loan 6.38%Professional Package 6.53%Equity Flex 6.64%AMP Superedge Loan 7.14%Land Loan 7.19%
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