The American Express Membership Home Loan  – Gold Package¹ is much more than a home loan. Whether you are looking to refinance your existing home, purchase an investment property or you are buying your first home, the Membership Home Loan – Gold Package offers you flexible options that together make managing and paying off your home loan easier.

The Package, developed in partnership with AMP Banking, offers benefits you'd never expect such as:

• Variable Rate discounts –
  
  

  For loans from $100,000 - $499,999

  • 0.65% p.a. off AMP's standard variable rate
  • 0.65% p.a. off AMP's standard line of credit rate

  For loans from $500,000 - $999,999

  • 0.70% p.a. off AMP's standard variable rate
  • 0.70% p.a. off AMP's standard line of credit rate

  For loans equal to or above $1,000,000

  • 0.75% p.a. off AMP’s standard variable rate
  • 0.75% p.a. off AMP's standard line of credit rate
• Fixed rate discounts––




For loans over $250,000 - get 0.15% p.a. off AMP’s standard fixed rates

• Fee waivers – the standard establishment fee is waived² (a saving of $350) and there’s no annual package fee (an additional saving of $330 p.a).



• Ongoing savings – unlike many home loans, you'll also pay no monthly account keeping fees on the Standard Variable rate, Fixed rate and Line of Credit Loans.

In addition:

• The package offers an all-in-one loan solution with options including variable rate, line of credit and fixed rate loans;
• Access your funds by phone or internet and depending on which option you choose, also via personal cheque book and Access card for EFTPOS and ATM transactions;
• You have the flexibility to make additional repayments without penalty so you pay less interest and pay your loan off faster; and
• You can even automatically pay your American Express Card each month by setting up a direct debit from your loan account.

Click here to contact the Membership Home Loan team to make an appointment with a home loan specialist³.

Click here to calculate how much you can borrow and get a pre-approval confirmation⁴.

Or alternatively simply call the Membership Home Loan team on 1300 300 700, Monday to Friday, 9am - 5pm AEST

1. Package benefits, including fee waivers and interest rate discounts, are current as at 22 August 2005, subject to change at any time by AMP Bank and only available for loans over $100,000. Other fees and charges apply. Only available to current American Express Gold Card members, for cards issued in Australia (excludes Co-branded and Affinity Cards). Approval is subject to AMP Banking guidelines. The credit provider is AMP Bank Limited. ABN 15 081 596 009 AFSL No. 234517 trading as AMP Banking
2. Settlement fee of $350 applies
3. In person appointments not available in all areas
4. The pre-approval confirmation provides an estimate of your borrowing capacity. It does not confirm an offer of a loan. You will need to complete an application form to satisfy our normal lending criteria (including our security requirements) before an approval of a loan is given.