The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $499,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $499,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $499,999 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $499,999 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $100,000 and $499,999 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $499,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $500,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $500,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $100,000 | $499,999 |
| | Owner Occupier | Principal & Interest | < 80% | $500,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $100,000 | $499,999 |
| | Owner Occupier | Principal & Interest | 80%-90% | $500,000 | |
| | Owner Occupier | Interest Only | < 80% | $100,000 | $499,999 |
| | Investor | Principal & Interest | < 80% | $500,000 | |
| | Investor | Principal & Interest | < 80% | $100,000 | $499,999 |
| | Investor | Principal & Interest | 80%-90% | $500,000 | |
| | Investor | Interest Only | < 80% | $100,000 | $499,999 |
| | Investor | Principal & Interest | 80%-90% | $100,000 | $499,999 |
| | Owner Occupier | Interest Only | < 80% | $500,000 | |
| | Investor | Interest Only | < 80% | $500,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000 $499,999
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $500,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $100,000 $499,999
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $500,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000 $499,999
Investor (Principal & Interest)
LVR < 80%
Loan: $500,000
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000 $499,999
Investor (Principal & Interest)
LVR 80%-90%
Loan: $500,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000 $499,999
Investor (Principal & Interest)
LVR 80%-90%
Loan: $100,000 $499,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $500,000
Investor (Interest Only)
LVR < 80%
Loan: $500,000
AMP Bank have created a sound product in the Fixed Rate Loan (Professional Package). Rates go as low as 1.88% p.a. (2.84% p.a. comparison rate*) for a 2 year fixed term for borrowers with an LVR of up to 80%. Of if your LVR is higher (between 80-90%), you can snag rates from 2.08% p.a. (3.12% p.a.) over a three year period. These low rates, combined with free repayments of up to $10,000 per year, could make this a great option for homeowners.
The Fixed Rate Loan (Professional Package) is available for loans between $100,000 and $499,999. There are two rate tiers on offer: one for LVRs up to 80%, and the other for LVRs up to 90%.
Fixed rates for 3-year terms start from 1.88% p.a. (2.84% p.a. comparison rate*) for owner occupiers borrowing up to 80% of the property value, but jump to a still competitive 2.08% p.a. (3.12% p.a. comparison rate*) if you borrow up to 90% instead. Just remember though that you will need to factor in Lenders Mortgage Insurance if you belong to the latter tier.
AMP Bank are offering this loan to new and existing customers, but remember there's a hefty $295 upfront legal fee and a yearly $349 service fee, so there are some obstacles to obtaining these relatively low rates.
If you prefer a loan with redraw and offset facilities as well as repayment holidays, this might not be your first option. However, AMP Bank does offer some wriggle-room. The loan product can be split, and borrowers can make up to $10,000 in additional repayments each year. There's also the option to schedule repayments weekly, fortnightly or monthly to better suit budgeting plans.
The Fixed Rate Loan (Professional Package) would be tops for a homeowner who is looking to snap up a low rate for a fixed period and have the security of fixed repayments. It may also suit borrowers who have a smaller home deposit, as a 80-90% LVR tier is also available.
Make sure you budget for those extra fees – you'll be charged $295 up front and $349 annually. Also bear in mind that if your LVR exceeds 80%, you may need to factor in Lenders Mortgage Insurance.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.49% (2.99%*) | |
| 1.88% (2.84%*) | |
| 1.98% (2.85%*) | |
| n/a | |
| 2.59% (3.00%*) | |
| n/a | |
| n/a | |
| 2.59% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $100,000 | |
| $499,999 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.49% (2.80%*) | |
| 1.88% (2.71%*) | |
| 1.98% (2.69%*) | |
| n/a | |
| 2.59% (2.87%*) | |
| n/a | |
| n/a | |
| 2.38% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $500,000 | |
| none | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.69% (3.26%*) | |
| 2.08% (3.12%*) | |
| 2.18% (3.06%*) | |
| n/a | |
| 2.79% (3.16%*) | |
| n/a | |
| n/a | |
| 2.89% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $100,000 | |
| $499,999 | |
| 80.00% | |
| 90.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.69% (3.24%*) | |
| 2.08% (3.13%*) | |
| 2.18% (3.09%*) | |
| n/a | |
| 2.79% (3.23%*) | |
| n/a | |
| n/a | |
| 2.86% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $500,000 | |
| none | |
| 80.00% | |
| 90.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 3.59% (3.06%*) | |
| 3.49% (3.09%*) | |
| 2.95% (3.00%*) | |
| n/a | |
| 3.89% (3.36%*) | |
| n/a | |
| n/a | |
| 2.73% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $100,000 | |
| $499,999 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.99% (3.21%*) | |
| 2.30% (3.11%*) | |
| 2.40% (3.09%*) | |
| n/a | |
| 3.09% (3.31%*) | |
| n/a | |
| n/a | |
| 2.79% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $500,000 | |
| none | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.99% (3.50%*) | |
| 2.30% (3.37%*) | |
| 2.40% (3.33%*) | |
| n/a | |
| 3.09% (3.50%*) | |
| n/a | |
| n/a | |
| 3.12% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $100,000 | |
| $499,999 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 3.19% (3.65%*) | |
| 2.50% (3.53%*) | |
| 2.60% (3.49%*) | |
| n/a | |
| 3.19% (3.63%*) | |
| n/a | |
| n/a | |
| 3.27% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $500,000 | |
| none | |
| 80.00% | |
| 90.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.99% (3.48%*) | |
| 2.44% (3.34%*) | |
| 2.49% (3.28%*) | |
| n/a | |
| 3.39% (3.49%*) | |
| n/a | |
| n/a | |
| 3.12% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $100,000 | |
| $499,999 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 3.19% (3.95%*) | |
| 2.50% (3.80%*) | |
| 2.60% (3.74%*) | |
| n/a | |
| 3.19% (3.83%*) | |
| n/a | |
| n/a | |
| 3.61% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $100,000 | |
| $499,999 | |
| 80.00% | |
| 90.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 3.59% (3.17%*) | |
| 3.49% (3.23%*) | |
| 2.95% (3.16%*) | |
| n/a | |
| 3.89% (3.57%*) | |
| n/a | |
| n/a | |
| 2.69% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $500,000 | |
| none | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.99% (3.21%*) | |
| 2.44% (3.13%*) | |
| 2.49% (3.12%*) | |
| n/a | |
| 3.39% (3.43%*) | |
| n/a | |
| n/a | |
| 2.79% p.a. |
| $0.00 | |
| $295.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $349.00 yearly | |
| $350.00 |
| $500,000 | |
| none | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $10,000 p.a. | |
| none | |
| no | |
| none | |
| yes | |
| no | |
| AMP Bank will only cover valuation fees up to $900. | |
| none | |
| none |
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Excellent rate, easy online access and very clear on costs and payments each month.
Read full reviewExcellent rate, easy online access and very clear on costs and payments each month.
Good customer service but not competitive. Interest rates are high for home loans.
Read full reviewGood customer service but not competitive. Interest rates are high for home loans.
Great interest rate discounts for affiliated professionals. Pass on the majority of rate cuts. Great additional options for offset accounts with no fees.
Read full reviewGreat interest rate discounts for affiliated professionals. Pass on the majority of rate cuts. Great additional options for offset accounts with no fees.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Bank of Queensland
Fixed Rate
2.19% p.a.
fixed 3 years
3.03% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
Bank of Queensland
Fixed Rate
2.19% p.a.
fixed 3 years
3.03% p.a.
Qudos Bank
Fixed Rate Home Loan
1.99% p.a.
fixed 3 years
2.59% p.a.
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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
