3.59%p.a. (CR 3.96%p.a.) with a $1500 eGift card!

Want a low rate variable loan from a real bank with an attached award winning transactional offset account? Your time has come!

Get 3.59%p.a. (CR 3.96%p.a.) with up to $1500 in eGift cards^.

Get a low rate and access to an award winning and customisable transactional account with an AMP Professional Package with attached B3tter Offset Account.

Jump to section:

Home Loan rate

The cashback payment offer

Fees & charges

Expect More Package features

How to get started


Home Loan rate

  • Owner Occupier Professional Package 3.59%p.a. CR 3.96† p.a. (80%LVR or less)

 The Cashback Payment offer

  • If you’re borrowing $400,001+ you could get a $1,500 Woolworths Wish eGift card^ by establishing a new loan with AMP using Naritas OR
  • If you’re borrowing $300,000-$400,000 you could get a $1000 Woolworths Wish eGift card^ by establishing a new loan with AMP using Naritas.

AMP has some of the most competitive loans in the country, and you could qualify for their special packaged home loan discount rate if you have:

  • Minimum home loan of $250,000
  • Minimum 1 year in same line of employment (PAYG).
  • Minimum 2 years for self employed applicants.
  • Principal & Interest repayment type.

Fees & charges:

  • $0 loan application fee.
  • $349 annual package fee.
  • $295 legal fee.
  • Valuation fees – Covered by package up to $330.
  • Discharge cost – $350 plus legal costs (only payable when exiting/discharging the loan).

See how much you could save:


Bank of Sydney’s Expect More Package comes with a range of great features:
100% Offset Facility covered by the AusGov Financial Claims Scheme Access to AMP  Bett3r Account included as a part of the package
AMP Bett3r Account 2017 winner for Banking Innovation at Mozo Free ATM transactions via NAB and rediATM ATMs

How do I get started with an AMP approval from Naritas?

The team at Naritas are experts in delivering timely guidance & finance approvals.  We have over 100 lenders on our panel & a high quality team of dedicated advisers to steer you efficiently through the approval process.

To make an enquiry online with our team, click here. Alternatively please feel free to phone us on 1300 558 887 during business hours.


^Naritas Finance Gift Card Offer Terms & Conditions:

  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 6 February 2018 and closes 6 April December 2018 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A Woolworths Wish gift card will be issued under the gift card offer (“Gift Card Offer”) will be given for residentially secured owner occupied home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange an AMP Home Loan and must not be an existing AMP Home Loan customer. A borrower’s loan application in conjunction with this Gift Card Offer will be subject to usual AMP credit assessment and approval processes.
  6. The Gift Card Offer is $1,500 where the total loan financed, either jointly or individually with AMP is $400,001 or more. Alternatively, for loans $300,000 to $400,000 in size, either jointly or individually, the Gift Card offer is $1.000.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 28 February 2018.
  9. A borrower is eligible for a Gift Card Offer only once during the Offer Period. Once a loan application that is eligible for a Gift Card Offer is received, no further loans which include that borrower, jointly or individually will be eligible for a Gift Card Offer.
  10. Fees and charges apply to loans taken out under this Gift Card Offer. Refer to the AMP Mortgage Loans Fees and Charges brochure. 
  11. The Gift Card Offer will be issued to the nominated email address of the primary borrower after the settlement date. The Gift Card Offer will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the Gift Card Offer to any other person.
  13. Naritas accepts no responsibility for any tax implications that may arise from the Gift Card Offer. The borrower should seek their own independent advice in this regard.
  14. This offer is not available in conjunction with any other promotional offer Naritas has.
  15. Participation in the Gift Card Offer is deemed acceptance of these terms.


*Special Discounted Rate applies to minimum loan size of $250,000 or Loan to Value Ratio under 80% (more than 20% equity) for owner occupied residentially secured home loans. Terms and conditions apply.

† The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate.


Naritas Finance Pty Ltd ACN 096 341 061, Australian Credit Licence 441723