AMP First Home Loan

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 6.80%, Comparison Rate 6.42%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.00%, Comparison Rate 6.74%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.84%, Comparison Rate 6.69%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.17%, Comparison Rate 6.13%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.08%, Comparison Rate 6.12%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.98%, Comparison Rate 6.09%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.43%, Comparison Rate 6.26%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.52%, Comparison Rate 6.17%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.42%, Comparison Rate 6.19%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.37%, Comparison Rate 6.20%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.67%, Comparison Rate 6.36%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.34%, Comparison Rate 6.34%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.64%, Comparison Rate 6.47%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.27%, Comparison Rate 6.33%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.13%, Comparison Rate 6.30%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.08%, Comparison Rate 6.27%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.52%, Comparison Rate 6.42%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.47%, Comparison Rate 6.35%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.38%, Comparison Rate 6.35%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.28%, Comparison Rate 6.32%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.67%, Comparison Rate 6.48%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.05%, Comparison Rate 6.22%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.94%, Comparison Rate 6.40%
• Repayment Type: Interest Only
• Loan Purpose: Investment

 Product Features

• Redraw Additional Information: Redraw applies to variable rate loans only. Redraw extra funds you deposit whenever you like, with no withdrawal fees. You can redraw your extra funds using online banking, our mobile apps, BankPhone and BankAssist.

• Offset Additional Information: You can choose to set up an Offset Deposit Account on a variable rate loan. A $6 monthly account management fee is payable on the Offset Deposit Account when linked to a Basic Variable Rate Loan.

• Card Access Additional Information: Visa Debit Card

• Unlimited Txns Additional Information: Special service fees apply

• Digital Wallet Additional Information: Make payments with Apple Pay, Samsung Pay or Google Pay using your device anywhere you can tap your Visa Debit Card

• Digital Banking Additional Information: My AMP

• Other Additional Information: Construction available for up to a 12 month interest only period

 Product Eligibility

• Staff - Only Available To Amp Shareholders And Amp Employees Who Apply Directly Through Amp Bank.

 Bank Fees and Charges

• Multiple Security Fee (Event), Amount: 250.00. Additional Information: Per security. Payable for each additional security offered at loan establishment. Fee is not refundable.

• Master Limit Application Fee (Event), Amount: 399.00. Additional Information: Payable when a master limit is requested. This fee covers processing and administration of the establishment and ongoing maintenance of your Master Limit.

• Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payable prior to the valuation.

• Fixed Rate Lock Fee (Event), Amount: Not Listed.. Additional Information: 0.15% of the original Fixed Rate loan amount. Payable to secure the fixed interest rate on a fixed rate loan for 90 days from the date this fee is received (this date is also referred to as the fixed rate date quoted). This fee is not refundable.

• Rework Fee (Event), Amount: 249.00. Additional Information: Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer.

• Amp Internal Refinance Fee (Event), Amount: 299.00. Additional Information: Payable on settlement. Payable on settlement where you had an AMP Bank loan immediately before establishment of this loan and that loan was refinanced or otherwise replaced with this loan, either in part or in whole.

• Break Costs (Exit), Amount: Not Listed.. Additional Information: 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 12 month period within a fixed interest period; or You repay all of the money owing under the facility during any fixed interest period before it is due; or We agree to change your annual percentage rate during your fixed interest period (this includes a change to your annual percentage ratedue to a change to your repayment type [principal andinterest or interest only] or a change to your loan purpose [owner occupied or investment]). Break costs can be substantial. The amount which is our estimate of loss (if any) resulting from the relevant event. A 12 month period is defined as the time from the date the fixed interest period commenced to the initial anniversary of that date and each consecutive anniversary thereafter until the fixed interest period expires. Refer to your Loan Conditions for more information.

• Verification Of Identity By Australia Post (Event), Amount: Not Listed.. Additional Information: Payable when you obtain a Verification of Identity service from an Australia Post office.

• Payment Dishonour Fees (Variable), Amount: Not Listed.. Additional Information: You may be charged a fee by an external bank or financial institution for a transaction relating to your loan (eg. if a payment to your loan made from another bank is dishonoured, the other bank may charge you a fee).

• Solicitors And Mortgage Processing Servicers' Cost (Event), Amount: 295.00. Additional Information: For loan agreements with up to 2 security properties. Plus $100 per additional security property. 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 agreement or a security.

• Solicitors' And Mortgage Processing Servicers' Incidental Costs (Event), Amount: 82.50. Additional Information: Per security property. Whenever a variation to an existing loan agreement is made and we instruct our solicitors or mortgage processing servicers to act on our behalf in connection with the security property(s).

• Solicitor Or Mortgage Processing Servicer Non-standard Additional Costs (Event), Amount: Not Listed.. Additional Information: Non-standard additional costs that may be payable, including courier costs, telegraphic transfer costs, cost to arrange settlement in a remote area and costs for urgent preparation of documents and/or urgent settlement.

• Cheque Or Electronic Withdrawal Dishonour Fee (Event), Amount: 10.00. Additional Information: When a cheque or electronic withdrawal from your account is dishonoured

• Cheque Deposit Or Electronic Payment Dishonour (Event), Amount: 12.00. Additional Information: When a cheque deposited to your account is dishonoured, or an electronic payment initiated from your account is sent back from a financial institution

• Bank Cheque Fee (Event), Amount: 10.00. Additional Information: When you request us to: issue a bank cheque, provide a replacement bank cheque for one previously issued, repurchase a bank cheque you no longer require,arrange to make a bank cheque available for you to collect from a Westpac branch. Interest payable on the bank cheque amount from the day the request is processed by us.

• International Atm Cash Withdrawal Fee (Event), Amount: 4.50. Additional Information: When you withdraw from your account at any international ATM

• Currency Conversion Fee (Event), Amount: Not Listed.. Additional Information: 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 Australian dollars

• Deposit Special Clearance Fee (Event), Amount: 10.00. Additional Information: When you request us to expedite the clearance of a cheque deposited to your account

• Duplicate Statement Fee (Event), Amount: 12.00. Additional Information: When you request a copy of a previously provided statement to be sent to you by mail

• Emergency Replacement Amp Visa Debit Card Fee (Event), Amount: 15.00. Additional Information: When you request urgent delivery of a replacement access card

• Telegraphic Transfer Fee - Deposits (Event), Amount: 30.00. Additional Information: When funds are transferred to your account (by SWIFT or telegraphic transfer) from a bank in Australia or overseas (in Australian dollars or a foreign currency)

• Telegraphic Transfer Fee - Withdrawals (Event), Amount: 30.00. Additional Information: When you request us to transfer funds from your account (by SWIFT) to a bank in Australia (in Australian dollars). When you request us to transfer funds from your account (by telegraphic transfer) to an overseas bank (in Australian dollars or a foreign currency).

• Transaction Trace Fee (Event), Amount: 20.00. Additional Information: When you request us to investigate and trace a transaction

• Visa Dispute Fee (Event), Amount: 25.00. Additional Information: When you dispute a Visa transaction and we do not find in your favour

• Audit Certificate Fee (Event), Amount: 25.00. Additional Information: When you or an auditor request an audit certificate for your account

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