AMP Bank home loan rates
Ranked by advertised rate, AMP Bank's lowest advertised rate we track is 6.24% advertised (6.27% comparison) on the AMP Essential Home Loan - owner-occupier, P&I - 6th of 31 lenders we track. Rates as at 1 Nov 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.24% advertised (6.27% comparison) on the AMP Essential Home Loan - owner-occupier, P&I; its lowest fixed home loan rate we track is 6.64% advertised (7.42% comparison) on the Professional Package fixed rate, 2-year term. Rates as at 1 Nov 2026.
We track 6 AMP Bank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 1 Nov 2026. See our methodology.
At the lowest advertised rate we track - 6.24% on the AMP Essential Home Loan - owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,690 a month (an arithmetic example, not a quote or an offer). Rates as at 1 Nov 2026.
AMP Bank since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
AMP Bank has changed 2 variable rates in its published data since:
- AMP Essential Home Loan - owner-occupier, P&I5.99% → 6.24%(+25 bp)matches the cash rate move
- Professional Package home loan - owner-occupier, P&I6.28% → 6.53%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
AMP Bank products (6)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
AMP Essential Home Loan - owner-occupier, P&IAMP Bank | Variable | 6.24% | 6.27% | 50% | link |
Professional Package home loan - owner-occupier, P&IAMP Bank | Variable | 6.53% | 6.94% | — | link |
Professional Package fixed rate, 2-year termAMP Bank | Fixed 2yr | 6.64% | 7.42% | — | link |
Professional Package fixed rate, 1-year termAMP Bank | Fixed 1yr | 6.64% | 7.50% | — | link |
Professional Package fixed rate, 3-year termAMP Bank | Fixed 3yr | 6.69% | 7.35% | — | link |
Professional Package fixed rate, 5-year termAMP Bank | Fixed 5yr | 6.79% | 7.27% | — | link |
AMP Bank recent rate changes
5 of AMP Bank's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Professional Package fixed rate, 1-year term6.39% → 6.64%(+25 bp)previous value last seen 15 Oct 2026
- Professional Package fixed rate, 2-year term6.39% → 6.64%(+25 bp)previous value last seen 15 Oct 2026
- Professional Package fixed rate, 3-year term6.49% → 6.69%(+20 bp)previous value last seen 15 Oct 2026
- AMP Essential Home Loan - owner-occupier, P&I5.99% → 6.24%(+25 bp)previous value last seen 2 Oct 2026
- Professional Package home loan - owner-occupier, P&I6.28% → 6.53%(+25 bp)previous value last seen 2 Oct 2026
Add RBA decision and CPI release dates to your calendar: Apple or Outlook · Google Calendar · .ics file.