{
  "brand": "AMP - My AMP",
  "brand_label": "AMP Bank",
  "brand_slug": "amp-my-amp",
  "legal_entity_abn": "15081596009",
  "public_base_uri": "https://api.cdr-api.amp.com.au",
  "logo_uri": "https://www.amp.com.au/content/dam/amp-au/data/icons/amp-logo-reversed.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-06T00:00:00Z",
  "at_a_glance": {
    "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.",
    "rates": [
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.58,"comparison_rate_pct":6.61,"comparison_rate_at_600000_pct":6.58,"product_label":"Essential Home Loan","lvr_min":60,"lvr_max":80,"reference_lvrs":[70,80],"loan_min":750000,"loan_max":null,"annual_fee":0,"upfront_fees":0,"exit_fees":490,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.64,"comparison_rate_pct":7.72,"comparison_rate_at_600000_pct":7.44,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.64,"comparison_rate_pct":7.61,"comparison_rate_at_600000_pct":7.37,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.69,"comparison_rate_pct":7.53,"comparison_rate_at_600000_pct":7.31,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":6.79,"comparison_rate_pct":7.41,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"interest_only","kind":"variable","rate_pct":6.89,"comparison_rate_pct":7.2,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":1000000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_1","rate_pct":6.89,"comparison_rate_pct":7.78,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_2","rate_pct":6.89,"comparison_rate_pct":7.69,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_3","rate_pct":6.94,"comparison_rate_pct":7.62,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_5","rate_pct":6.94,"comparison_rate_pct":7.49,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"variable","rate_pct":6.64,"comparison_rate_pct":6.67,"comparison_rate_at_600000_pct":6.64,"product_label":"Essential Home Loan","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":750000,"loan_max":null,"annual_fee":0,"upfront_fees":0,"exit_fees":490,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.74,"comparison_rate_pct":7.73,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.74,"comparison_rate_pct":7.63,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.79,"comparison_rate_pct":7.56,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":6.89,"comparison_rate_pct":7.45,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"interest_only","kind":"variable","rate_pct":6.89,"comparison_rate_pct":7.24,"comparison_rate_at_600000_pct":6.98,"product_label":"Professional Package","lvr_min":50,"lvr_max":60,"reference_lvrs":[60],"loan_min":1000000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"interest_only","kind":"fixed_1","rate_pct":6.84,"comparison_rate_pct":7.78,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"interest_only","kind":"fixed_2","rate_pct":6.84,"comparison_rate_pct":7.68,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"interest_only","kind":"fixed_3","rate_pct":6.89,"comparison_rate_pct":7.61,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"interest_only","kind":"fixed_5","rate_pct":6.89,"comparison_rate_pct":7.47,"comparison_rate_at_600000_pct":null,"product_label":"Professional Package","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":100000,"loan_max":null,"annual_fee":415,"upfront_fees":0,"exit_fees":490,"conditions":"k2","restrictions":["package"],"eligibility":null,"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed",
        "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)",
        "Loan between $250,000 and $2 million, borrowing 80% or less of the property's value",
        "PAYG salary earners, or self-employed trading at least 2 years"
      ],
      "k2": [
        "open to anyone: the bank's page names no profession, and gives \"Application fee $0 ... Settlement fee $0 ... Annual fee $415\" (checked 2026-11-07)",
        "package (annual fee)",
        "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed",
        "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)"
      ]
    },
    "unranked": {
      "rows": 56
    }
  },
  "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages",
  "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "AMP_EQUITY_FLEX_HL",
      "product_name": "Equity Flex",
      "product_label": "Equity Flex",
      "product_url": "https://www.amp.com.au/home-loans/interest-rates-fees",
      "product_url_source": "feed",
      "terms_url": "https://www.amp.com.au/content/dam/amp-2024/documents/forms/308006-home-loan-fees-and-charges-guide.pdf",
      "terms_url_source": "found by hand 2026-11-01: fee schedule",
      "description": "A variable rate home loan with offsets available. A package fee is applicable",
      "offset": true,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": 415.0,
      "upfront_fees": null,
      "exit_fees": 490.0,
      "fees": [
        {
          "name": "Multiple Security Fee",
          "fee_type": "UPFRONT",
          "amount": 250.0,
          "frequency": null,
          "info": "Per security. Payable for each additional security offered at loan establishment. Fee is not refundable."
        },
        {
          "name": "Valuation fee",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payab…"
        },
        {
          "name": "Rework fee",
          "fee_type": "EVENT",
          "amount": 249.0,
          "frequency": null,
          "info": "Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer."
        },
        {
          "name": "AMP internal refinance fee",
          "fee_type": "UPFRONT",
          "amount": 299.0,
          "frequency": null,
          "info": "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 other…"
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 490.0,
          "frequency": null,
          "info": "Payable when we are requested to discharge all securities. Customers also pay the actual solicitors' or mortgage processing servicers' costs, which include,for…"
        },
        {
          "name": "Verification of identity by Australia Post",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Payable when you obtain a Verification of Identity service from an Australia Post office."
        },
        {
          "name": "Payment dishonour fees",
          "fee_type": "DISHONOUR",
          "amount": null,
          "frequency": null,
          "info": "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…"
        },
        {
          "name": "Solicitors and mortgage processing servicers' cost",
          "fee_type": "UPFRONT",
          "amount": 295.0,
          "frequency": null,
          "info": "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 agre…"
        },
        {
          "name": "Solicitors' and mortgage processing servicers' incidental costs",
          "fee_type": "EVENT",
          "amount": 82.5,
          "frequency": null,
          "info": "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…"
        },
        {
          "name": "Solicitor or mortgage processing servicer non-standard additional costs",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Non-standard additional costs that may be payable, including courier costs, telegraphic transfer costs, cost to arrange settlement in a remote area and costs f…"
        },
        {
          "name": "International ATM cash withdrawal fee",
          "fee_type": "WITHDRAWAL",
          "amount": 4.5,
          "frequency": null,
          "info": "When you withdraw from your account at any international ATM"
        },
        {
          "name": "Currency conversion fee",
          "fee_type": "TRANSACTION",
          "amount": null,
          "frequency": null,
          "info": "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 Au…"
        },
        {
          "name": "Emergency replacement AMP Visa Debit Card fee",
          "fee_type": "REPLACEMENT",
          "amount": 15.0,
          "frequency": null,
          "info": "When you request urgent delivery of a replacement access card"
        },
        {
          "name": "Telegraphic transfer fee - deposits",
          "fee_type": "DEPOSIT",
          "amount": 30.0,
          "frequency": null,
          "info": "When funds are transferred to youraccount (by SWIFTor telegraphic transfer) from a bank in Australia or overseas (in Australian dollars)."
        },
        {
          "name": "Telegraphic transfer fee - withdrawals",
          "fee_type": "WITHDRAWAL",
          "amount": 30.0,
          "frequency": null,
          "info": "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 yo…"
        },
        {
          "name": "Transaction trace fee",
          "fee_type": "EVENT",
          "amount": 20.0,
          "frequency": null,
          "info": "When you request us to investigate and trace a transaction"
        },
        {
          "name": "Visa dispute fee",
          "fee_type": "EVENT",
          "amount": 25.0,
          "frequency": null,
          "info": "When you dispute a Visa transaction and we do not find in your favour"
        },
        {
          "name": "Audit certificate fee",
          "fee_type": "EVENT",
          "amount": 25.0,
          "frequency": null,
          "info": "When you or an auditor request an audit certificate for your account"
        },
        {
          "name": "$0 Equity Flex variation fee",
          "fee_type": "EVENT",
          "amount": 0.0,
          "frequency": null,
          "info": "This fee is waived for this package type"
        },
        {
          "name": "$0 Equity Flex application fee",
          "fee_type": "UPFRONT",
          "amount": 0.0,
          "frequency": null,
          "info": "This fee is waived for this package type"
        },
        {
          "name": "$0 Equity Flex Settlement fee",
          "fee_type": "UPFRONT",
          "amount": 0.0,
          "frequency": null,
          "info": "This fee is waived for this package type"
        },
        {
          "name": "$0 Equity Flex monthly fee",
          "fee_type": "PERIODIC",
          "amount": 0.0,
          "frequency": "P1M",
          "info": "This fee is waived for this package type"
        },
        {
          "name": "$0 Equity Flex redraw fee",
          "fee_type": "EVENT",
          "amount": 0.0,
          "frequency": null,
          "info": "This fee is waived for this package type"
        },
        {
          "name": "Equity Flex package fee",
          "fee_type": "PERIODIC",
          "amount": 415.0,
          "frequency": "P1Y",
          "info": "Payable in arrears for packages, eligibilitiy requirements may apply. $6 monthly account management fee is payable on the offset deposit account when linked to…"
        },
        {
          "name": "Company or Trust Fee",
          "fee_type": "UPFRONT",
          "amount": 2500.0,
          "frequency": null,
          "info": "Payable at settlement where the borrower is either a company or trustee. Not applicable for SuperEdge, AMP First or Essential Loan."
        }
      ],
      "fees_as_published": null,
      "max_lvr": null,
      "restrictions": [
        "line_of_credit"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "eligibility": null,
      "discounts": [],
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_EQUITY_FLEX_HL",
      "source_snapshot": "/au/finance/home-loans/v1/source/amp-my-amp/AMP_EQUITY_FLEX_HL.json",
      "snapshot_at": "2026-11-07T00:11:33Z",
      "bank_last_updated": "2026-11-06T00:00:00.000Z",
      "correction": null,
      "row_count": 8,
      "conditions": [
        "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed",
        "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)"
      ]
    },
    {
      "product_id": "AMP_ESSENTIAL_HL",
      "product_name": "AMP Essential Home Loan",
      "product_label": "Essential Home Loan",
      "product_url": "https://www.amp.com.au/home-loans/interest-rates-fees",
      "product_url_source": "feed",
      "terms_url": "https://www.amp.com.au/content/dam/amp-2024/documents/forms/308006-home-loan-fees-and-charges-guide.pdf",
      "terms_url_source": "found by hand 2026-11-01: fee schedule",
      "description": "A variable home loan with no offset facility and no package fees.",
      "offset": false,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": 0.0,
      "upfront_fees": 0.0,
      "exit_fees": 490.0,
      "fees": [
        {
          "name": "Multiple Security Fee",
          "fee_type": "UPFRONT",
          "amount": 250.0,
          "frequency": null,
          "info": "Per security. Payable for each additional security offered at loan establishment. Fee is not refundable."
        },
        {
          "name": "Valuation fee",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payab…"
        },
        {
          "name": "Rework fee",
          "fee_type": "EVENT",
          "amount": 249.0,
          "frequency": null,
          "info": "Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer."
        },
        {
          "name": "AMP internal refinance fee",
          "fee_type": "UPFRONT",
          "amount": 299.0,
          "frequency": null,
          "info": "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 other…"
        },
        {
          "name": "Variation fee",
          "fee_type": "EVENT",
          "amount": 299.0,
          "frequency": null,
          "info": "Plus any solicitor's or mortgage processing costs, valuation costs if applicable and any government fees which may vary from state to state. Payable when we ag…"
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 490.0,
          "frequency": null,
          "info": "Payable when we are requested to discharge all securities. Customers also pay the actual solicitors' or mortgage processing servicers' costs, which include,for…"
        },
        {
          "name": "Verification of identity by Australia Post",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Payable when you obtain a Verification of Identity service from an Australia Post office."
        },
        {
          "name": "Payment dishonour fees",
          "fee_type": "DISHONOUR",
          "amount": null,
          "frequency": null,
          "info": "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…"
        },
        {
          "name": "Solicitors and mortgage processing servicers' cost",
          "fee_type": "UPFRONT",
          "amount": 295.0,
          "frequency": null,
          "info": "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 agre…"
        },
        {
          "name": "Solicitors' and mortgage processing servicers' incidental costs",
          "fee_type": "EVENT",
          "amount": 82.5,
          "frequency": null,
          "info": "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…"
        },
        {
          "name": "Solicitor or mortgage processing servicer non-standard additional costs",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Non-standard additional costs that may be payable, including courier costs, telegraphic transfer costs, cost to arrange settlement in a remote area and costs f…"
        },
        {
          "name": "International ATM cash withdrawal fee",
          "fee_type": "WITHDRAWAL",
          "amount": 4.5,
          "frequency": null,
          "info": "When you withdraw from your account at any international ATM"
        },
        {
          "name": "Currency conversion fee",
          "fee_type": "TRANSACTION",
          "amount": null,
          "frequency": null,
          "info": "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 Au…"
        },
        {
          "name": "Emergency replacement AMP Visa Debit Card fee",
          "fee_type": "REPLACEMENT",
          "amount": 15.0,
          "frequency": null,
          "info": "When you request urgent delivery of a replacement access card"
        },
        {
          "name": "Telegraphic transfer fee - deposits",
          "fee_type": "DEPOSIT",
          "amount": 30.0,
          "frequency": null,
          "info": "When funds are transferred to youraccount (by SWIFTor telegraphic transfer) from a bank in Australia or overseas (in Australian dollars)."
        },
        {
          "name": "Telegraphic transfer fee - withdrawals",
          "fee_type": "WITHDRAWAL",
          "amount": 30.0,
          "frequency": null,
          "info": "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 yo…"
        },
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          "info": "This fee is waived for this package type"
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        {
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          "frequency": "P1M",
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          "info": "This fee is waived for this package type"
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          "info": "This fee is waived for this package type"
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          "amount": null,
          "frequency": null,
          "info": "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 Au…"
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          "frequency": null,
          "info": "When you request urgent delivery of a replacement access card"
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        {
          "name": "Telegraphic transfer fee - withdrawals",
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          "frequency": null,
          "info": "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 yo…"
        },
        {
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          "name": "Visa dispute fee",
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        },
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          "name": "$0 AMP First annual package fee",
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        },
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          "frequency": null,
          "info": "Payable to cover processing and administration costs for settlement of your loan. Not applicable for Professional Package, AMP Essential Home Loan and AMP Firs…"
        },
        {
          "name": "Multiple Security Fee",
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          "amount": 250.0,
          "frequency": null,
          "info": "Per security. Payable for each additional security offered at loan establishment. Fee is not refundable."
        },
        {
          "name": "Valuation fee",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payab…"
        },
        {
          "name": "Rework fee",
          "fee_type": "EVENT",
          "amount": 249.0,
          "frequency": null,
          "info": "Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer."
        },
        {
          "name": "AMP internal refinance fee",
          "fee_type": "UPFRONT",
          "amount": 299.0,
          "frequency": null,
          "info": "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 other…"
        },
        {
          "name": "Variation fee",
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          "amount": 299.0,
          "frequency": null,
          "info": "Plus any solicitor's or mortgage processing costs, valuation costs if applicable and any government fees which may vary from state to state. Payable when we ag…"
        },
        {
          "name": "Discharge fee",
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          "amount": 490.0,
          "frequency": null,
          "info": "Payable when we are requested to discharge all securities. Customers also pay the actual solicitors' or mortgage processing servicers' costs, which include,for…"
        },
        {
          "name": "Verification of identity by Australia Post",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Payable when you obtain a Verification of Identity service from an Australia Post office."
        },
        {
          "name": "Payment dishonour fees",
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          "amount": null,
          "frequency": null,
          "info": "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…"
        },
        {
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          "fee_type": "UPFRONT",
          "amount": 295.0,
          "frequency": null,
          "info": "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 agre…"
        },
        {
          "name": "Solicitors' and mortgage processing servicers' incidental costs",
          "fee_type": "EVENT",
          "amount": 82.5,
          "frequency": null,
          "info": "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…"
        },
        {
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          "amount": null,
          "frequency": null,
          "info": "Non-standard additional costs that may be payable, including courier costs, telegraphic transfer costs, cost to arrange settlement in a remote area and costs f…"
        },
        {
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          "amount": 4.5,
          "frequency": null,
          "info": "When you withdraw from your account at any international ATM"
        },
        {
          "name": "Currency conversion fee",
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          "amount": null,
          "frequency": null,
          "info": "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 Au…"
        },
        {
          "name": "Emergency replacement AMP Visa Debit Card fee",
          "fee_type": "REPLACEMENT",
          "amount": 15.0,
          "frequency": null,
          "info": "When you request urgent delivery of a replacement access card"
        },
        {
          "name": "Telegraphic transfer fee - deposits",
          "fee_type": "DEPOSIT",
          "amount": 30.0,
          "frequency": null,
          "info": "When funds are transferred to youraccount (by SWIFTor telegraphic transfer) from a bank in Australia or overseas (in Australian dollars)."
        },
        {
          "name": "Telegraphic transfer fee - withdrawals",
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          "amount": 30.0,
          "frequency": null,
          "info": "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 yo…"
        },
        {
          "name": "Transaction trace fee",
          "fee_type": "EVENT",
          "amount": 20.0,
          "frequency": null,
          "info": "When you request us to investigate and trace a transaction"
        },
        {
          "name": "Visa dispute fee",
          "fee_type": "EVENT",
          "amount": 25.0,
          "frequency": null,
          "info": "When you dispute a Visa transaction and we do not find in your favour"
        },
        {
          "name": "Audit certificate fee",
          "fee_type": "EVENT",
          "amount": 25.0,
          "frequency": null,
          "info": "When you or an auditor request an audit certificate for your account"
        },
        {
          "name": "$0 Land Loan account management fee",
          "fee_type": "PERIODIC",
          "amount": 0.0,
          "frequency": "P1M",
          "info": "This fee is waived for this package type"
        },
        {
          "name": "Company or Trust Fee",
          "fee_type": "UPFRONT",
          "amount": 2500.0,
          "frequency": null,
          "info": "Payable at settlement where the borrower is either a company or trustee. Not applicable for SuperEdge, AMP First or Essential Loan."
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      ],
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      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_LAND_HL",
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        "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed",
        "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)",
        "New home loan customers only, single owner-occupied security, intending to build an owner-occupied home on the land"
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    },
    {
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      "product_url_source": "feed",
      "terms_url": "https://www.amp.com.au/content/dam/amp-2024/documents/forms/308006-home-loan-fees-and-charges-guide.pdf",
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      "description": "A home loan with fixed, variable and Line of Credit options. Offsets are available for variable loans. A package fee is applicable.",
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      "upfront_fees": 0,
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      "fees": [
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          "name": "Multiple Security Fee",
          "fee_type": "UPFRONT",
          "amount": 250.0,
          "frequency": null,
          "info": "Per security. Payable for each additional security offered at loan establishment. Fee is not refundable."
        },
        {
          "name": "Master Limit application fee",
          "fee_type": "UPFRONT",
          "amount": 399.0,
          "frequency": null,
          "info": "Payable when a master limit is requested. This fee covers processing and administration of the establishment and ongoing maintenance of your Master Limit."
        },
        {
          "name": "Valuation fee",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payab…"
        },
        {
          "name": "Fixed rate lock fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Payable at settlement where you have requested that we secure the fixed interest rate on a fixed rate loan. Fixed rates will be locked for 90 days from the day…"
        },
        {
          "name": "Rework fee",
          "fee_type": "EVENT",
          "amount": 249.0,
          "frequency": null,
          "info": "Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer."
        },
        {
          "name": "AMP internal refinance fee",
          "fee_type": "UPFRONT",
          "amount": 299.0,
          "frequency": null,
          "info": "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 other…"
        },
        {
          "name": "Break costs",
          "fee_type": "EVENT",
          "amount": null,
          "frequency": null,
          "info": "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…"
        },
        {
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          "fee_type": "EXIT",
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          "frequency": null,
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        },
        {
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          "frequency": null,
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        {
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        {
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