- AMP is back in SMSF lending after nearly eight years, launching SuperEdge to target near-retirement trustees seeking greater control and flexibility.
- The loan offers an optional offset and flexible repayments, with access limited to corporate trustee SMSFs purchasing residential property.
AMP has returned to residential SMSF lending after a near-eight-year hiatus, re-entering a sector that underpins Australia’s retirement system and holds more than $1 trillion in assets across 1.2 million members.
The bank said SuperEdge is aimed at trustees, particularly those nearing retirement, who want more control over their investments while retaining access to liquidity.
AMP group executive Sean O’Malley said many SMSF trustees aim to shape their retirement on their own terms, but without the right structure and support, achieving that can be challenging.
“Australians approaching retirement are balancing two competing pressures – enjoying life today, while making sure they’ll have enough for tomorrow. That tension is driving demand for solutions that offer more control, flexibility and confidence,” Mr O’Malley said.
The relaunched loan includes an optional SMSF offset facility, designed to assist trustees with cash flow management while maintaining required asset separation.
AMP SMSF loan rates
LVR | Annual rate | Comparison rate* |
≤60% | 6.29% p.a. | 6.65% p.a.* |
≤70% | 6.39% p.a. | 6.76% p.a.* |
≤80% | 6.49% p.a. | 6.86% p.a.* |
AMP Bank’s SuperEdge SMSF loans offer principal and interest rates from 6.29% to 6.49% p.a. (6.65% to 6.86% p.a. comparison rate*), depending on the LVR.
Borrowers can choose between principal and interest or interest-only repayments for up to five years, subject to a documented transition plan.
SuperEdge is limited to SMSFs with a corporate trustee structure, with lending capped at 80% LVR and minimum asset and liquidity requirements applying.
The product is restricted to residential property purchases and excludes higher-risk property types.
The product is currently in pilot testing, with broader market availability expected from 17 February 2026.
