---
title: "Equity Flex — AMP - My AMP"
description: "Home Loans from AMP - My AMP. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/amp-my-amp/products/AMP_EQUITY_FLEX_HL
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00.000Z
---

# Equity Flex — AMP - My AMP

> Home Loans from AMP - My AMP. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Lending and bank accounts, both associated with BSB number 939 200**

A variable rate home loan with offsets available. A package fee is applicable

## At a glance

- **From (investment):** 6.39% (6.8% comparison)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (New business rates, fees and charges apply · New business rate) | 6.39% | 6.8% | Under 50% LVR inc LMI; $100,000 and over |
| Variable (New business rates, fees and charges apply · New business rate) | 6.39% | 6.8% | LVR greater than 50% and less than or equal to 60% inc LMI; $100,000 and over |
| Variable (New business rates, fees and charges apply · New business rate) | 6.39% | 6.8% | LVR greater than 60% and less than or equal to 70% inc LMI; $100,000 and over |
| Variable (New business rates, fees and charges apply · New business rate) | 6.39% | 6.8% | LVR greater than 70% and less than or equal to 80% inc LMI; $100,000 and over |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (New business rates, fees and charges apply · New business rate) | 6.54% | 6.85% | Under 50% LVR inc LMI; $100,000 and over |
| Variable (New business rates, fees and charges apply · New business rate) | 6.54% | 6.85% | LVR greater than 50% and less than or equal to 60% inc LMI; $100,000 and over |
| Variable (New business rates, fees and charges apply · New business rate) | 6.59% | 6.89% | LVR greater than 60% and less than or equal to 70% inc LMI; $100,000 and over |
| Variable (New business rates, fees and charges apply · New business rate) | 6.59% | 6.89% | LVR greater than 70% and less than or equal to 80% inc LMI; $100,000 and over |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Multiple Security Fee — Per security. Payable for each additional security offered at loan establishment. Fee is not refundable. | Upfront | $250.00 |
| Valuation fee — 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. | Event | null – null |
| Rework fee — Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer. | Event | $249.00 |
| AMP internal refinance fee — 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. | Upfront | $299.00 |
| Discharge fee — Payable when we are requested to discharge all securities. Customers also pay the actual solicitors' or mortgage processing servicers' costs, which include,for example, search fees and postage, valuation costs if applicable and any applicable Government fees, which may vary from state to state. | Exit | $490.00 |
| Verification of identity by Australia Post — Payable when you obtain a Verification of Identity service from an Australia Post office. | Event | null – null |
| Payment dishonour fees — 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). | Dishonour | null – null |
| Solicitors and mortgage processing servicers' cost — 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. | Upfront | $295.00 |
| Solicitors' and mortgage processing servicers' incidental costs — 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). | Event | $82.50 |
| Solicitor or mortgage processing servicer non-standard additional costs — 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. | Event | null – null |
| International ATM cash withdrawal fee — When you withdraw from your account at any international ATM | Withdrawal | $4.50 |
| Currency conversion fee — 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 | Transaction | 2.5% of transaction |
| Emergency replacement AMP Visa Debit Card fee — When you request urgent delivery of a replacement access card | Replacement | $15.00 |
| Telegraphic transfer fee - deposits — When funds are transferred to youraccount (by SWIFTor telegraphic transfer) from a bank in Australia or overseas (in Australian dollars). | Deposit | $30.00 |
| Telegraphic transfer fee - withdrawals — 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 fundsfrom your account (by telegraphic transfer) to an overseas bank (in Australian dollars or a foreign currency). | Withdrawal | $30.00 |
| Transaction trace fee — When you request us to investigate and trace a transaction | Event | $20.00 |
| Visa dispute fee — When you dispute a Visa transaction and we do not find in your favour | Event | $25.00 |
| Audit certificate fee — When you or an auditor request an audit certificate for your account | Event | $25.00 |
| $0 Equity Flex variation fee — This fee is waived for this package type | Event | $0.00 |
| $0 Equity Flex application fee — This fee is waived for this package type | Upfront | $0.00 |
| $0 Equity Flex Settlement fee — This fee is waived for this package type | Upfront | $0.00 |
| $0 Equity Flex monthly fee — Charged monthly · This fee is waived for this package type | Ongoing | $0.00 |
| $0 Equity Flex redraw fee — This fee is waived for this package type | Event | $0.00 |
| Equity Flex package fee — Charged yearly · Payable in arrears for packages, eligibilitiy requirements may apply. $6 monthly account management fee is payable on the offset deposit account when linked to a Basic Variable Rate Loan. | Ongoing | $415.00 |
| Company or Trust Fee — Payable at settlement where the borrower is either a company or trustee. Not applicable for SuperEdge, AMP First or Essential Loan. | Upfront | $2,500.00 |

## Features

- **Redraw facility** (Redraw applies to AMP Bank variable rate home loans only. You can access extra funds you’ve deposited at any time, with no withdrawal fees when using online banking, the AMP app, BankPhone or BankAssist. Minimum amounts and daily limits may apply.)
- **Offset account** (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** — Visa Debit Card (A card is available for the product to access funds)
- **Unlimited transactions** — Unlimited free transactions available (Service fees may apply for manual redraw requests or special services.)
- **Digital wallet** — Apple Pay, Samsung Pay or Google Pay (Customers can link eligible AMP accounts to Apple Pay, Google Pay, and Samsung Pay for secure and convenient digital wallet transactions.)
- **Digital banking** (Customers can access and manage their home loan online via My AMP, our secure digital banking platform, offering features for easy account monitoring and transactions.)
- **Extra repayments** (AMP home loans allow for flexible additional repayments to reduce interest and pay off loans faster. Variable rate loans allow unlimited extra repayments, while fixed-rate loans often limit these to $10,000 per 12-month period. Please refer to Loan Conditions and Credit guide for more information on the consequences of repaying your Fixed Rate Loan early)
- **Additional cards** (Additional cards can be requested.)
- **Fraud protection** (AMP home loans are protected by secure login, encryption, transaction monitoring, and customer alerts to help prevent and detect fraud. Support is available for customers in the event of suspected unauthorised activity.)
- **Guarantor supported** (AMP Bank home loans allow eligible applicants to use a guarantor, typically a close family member who provides additional security for the loan. This can help customers who have a limited deposit or may not meet standard lending criteria. Guarantor eligibility is subject to AMP Bank’s lending requirements and the guarantor’s financial position.)

## Eligibility

- **Residency status** — Citizen or Permanent Resident (Individual borrowers must be Permanent residents or citizens of Australia, All new to bank customers must be living and working in Australia)
- **Minimum age** — 18 years (Eligible customers must be at least 18 years of age)

## Constraints

- **Minimum limit** — $100,000.00 (Minimum lending amount for new home loans is $100,000)
- **The loan term ranges from a minimum of 31 years to a maximum of 40 years**

## More information from AMP - My AMP

- [Overview](https://www.amp.com.au/home-loans/interest-rates-fees)
- [Terms & conditions](https://www.amp.com.au/bankterms)
- [Fees & pricing](https://www.amp.com.au/content/dam/amp/digitalhub/common/Documents/HomeLoans/Forms/308006_Home_Loan_Fees_and_Charges_Guide.pdf)

## Data provenance

- Published by AMP - My AMP under the Consumer Data Right
- Product ID: `AMP_EQUITY_FLEX_HL`
- Last updated by the provider: 25 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/amp-my-amp/AMP_EQUITY_FLEX_HL
- Provider page: https://www.cdrcompare.au/brands/amp-my-amp
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000028

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/amp-my-amp/products/AMP_EQUITY_FLEX_HL) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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