AMP Bank yesterday followed sector leaders and lifted investment loan rates. Its professional pack rate moves from 3.99 per cent to 4.14 per cent but is still at the cheaper end of pricing bands.ANZ, Bendigo, Commonwealth Bank, ING Direct, ME, NAB, Suncorp and Westpac all have all announced variable rate changes over the past week.With the US Fed at last tacking to a tighter monetary policy, AMP and many mortgage funders are responding to months of higher funding costs - courtesy of bond markets - by hiking rates.Owner-occupiers with mortgages only ever received 40 basis points of the RBA's 50 bps of cash rate cuts this year, RBA data shows.