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AMP First Home Loan
AMP First Home Loan is a home loan open only to a stated occupation, employer or membership. 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 6.13% to 6.38%.
Advertised rate
6.38%
headline tier
Comparison rate
6.38%
as published
Last moved
+0.25pp
2 October 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (40)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.38% | 6.38% |
| Variable, Investor, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.59% | 6.59% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.63% | 6.41% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.63% | 6.43% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.68% | 6.47% |
| Fixed 1 year, Investor, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.73% | 6.60% |
| Fixed 2 years, Investor, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.73% | 6.62% |
| Fixed 3 years, Investor, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.78% | 6.64% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.78% | 6.56% |
| Fixed 1 year, Investor, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.83% | 6.61% |
| Fixed 2 years, Investor, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.83% | 6.64% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.88% | 6.43% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.88% | 6.48% |
| Fixed 3 years, Investor, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.88% | 6.67% |
| Fixed 5 years, Investor, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.88% | 6.72% |
| Fixed 5 years, Investor, P&I, LVR up to 90%LVR greater than 0% and less than or equal to 90% inc LMI | 6.88% | 6.72% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.93% | 6.53% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.93% | 6.62% |
| Variable, Investor, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 6.98% | 6.63% |
| Variable, Owner occupier, Interest only, LVR up to 80%LVR greater than 0% and less than or equal to 80% inc LMI | 7.04% | 6.45% |
| Variable, Owner occupier, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.08% | 7.08% |
| Fixed 1 year, Owner occupier, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.13% | 7.09% |
| Fixed 2 years, Owner occupier, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.13% | 7.09% |
| Fixed 3 years, Owner occupier, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.18% | 7.11% |
| Fixed 1 year, Investor, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.23% | 7.28% |
| Fixed 2 years, Investor, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.23% | 7.28% |
| Fixed 3 years, Investor, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.28% | 7.29% |
| Fixed 5 years, Owner occupier, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.28% | 7.17% |
| Variable, Investor, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.29% | 7.29% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.33% | 6.67% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.33% | 6.74% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.38% | 6.48% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.38% | 6.58% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.38% | 6.82% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.38% | 6.93% |
| Fixed 5 years, Investor, P&I, LVR 90 to 95%, $40,000 to $99,999,999LVR greater than 90% and less than or equal to 95% inc LMI | 7.38% | 7.33% |
| Variable, Investor, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.38% | 6.93% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.43% | 6.68% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.43% | 6.84% |
| Variable, Owner occupier, Interest only, LVR 80 to 90%, $40,000 to $99,999,999LVR greater than 80% and less than or equal to 90% inc LMI | 7.49% | 6.86% |
Rate moves, last 30 days
- 16 October 2026: 6 tiers lifted 0.24pp; the lowest, Fixed 1 year, Investor, Interest only, LVR up to 80%, from 6.59% to 6.83%.
- 16 October 2026: 8 tiers lifted 0.25pp; the lowest, Fixed 2 years, Owner occupier, P&I, LVR up to 90%, from 6.38% to 6.63%.
- 16 October 2026: 6 tiers lifted 0.29pp; the lowest, Fixed 1 year, Owner occupier, Interest only, LVR up to 80%, from 6.59% to 6.88%.
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 |
| Fixed rate lock feeupfront: Payable at settlement where you have requested that we secure the fixed interest rate on a fixed rate loan. | see lender |
| Break costswhen it happens: Payable if at any time before the fixed interest period expires: You make additional repayments above the minimum required payments exceeding $10,000 for each 1 | see lender |
| 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 |
| Currency conversion feeper transaction: When you use your AMP Visa Debit card to make a purchase overseas or withdraw from an ATM overseas in a foreign currency and the transaction is converted to Aus | see lender |
| Emergency replacement AMP Visa Debit Card feereplacement: When you request urgent delivery of a replacement access card | $15 |
Other AMP MyAMP home loans
AMP Essential Home Loan 6.24%Professional Package 6.53%Equity Flex 6.64%AMP Superedge Loan 7.14%Land Loan 7.19%
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