Designed for long-term property investors seeking greater cash flow, flexibility and borrowing control

  • Servicing assessed on up to 30-year P&I
  • Interest-only for up to 10 years 
  • No reassessment during the interest only period
  • Loan terms of up to 40 years
  • Up to 80% LVR

Loan Snapshot

  • Loan term: Up to 40 years 
  • Mandatory interest‑only: 6–10 years 
  • LVR: Up to 80%
  • Purpose: Purchase or refinance 
  • Borrower type: Interest-only Investment
  • Servicing: Assessed on up to a 30-year P&I basis
  • Offset: Available
  • Repayments: Interest‑only then Principal & Interest
  • Fees: Refer to the Product Guide for current pricing and fees

Which Investment Solution Fits Your Customer?

Not every investor has the same goals. Compare AMP Professional Package and Equity Flex to identify the right solution based on your customer's borrowing needs, cash flow objectives and investment strategy.

Feature Equity Flex Loan - 10 year interest-only  Professional Package Interest Only Loan - 10 year interest-only 
Suitable security purpose Investment only Owner Occupied and Investment
P&I term 30 years 20 years
Servicing assessment Assessed on a 30-year P&I basis Assessed on a 20-year P&I basis
Reassessment during IO period Not required Not required
LVR Up to 80% Up to 90% subject to policy limits
Construction     Not available  Available 
Master limit Not available  Available 
Key benefit Longer IO certainty, improved cash flow management, servicing support and long-term portfolio growth Flexible owner occupied and investment lending with higher LVRs, construction, Master Limit and cash out capabilities

 

Customer Scenarios

Consider the Equity Flex loan when your customers is:

  • Looking to improve investment property cash flow 
  • Building a long-term property portfolio 
  • Seeking maximum flexibility during an extended interest-only period
  • Looking to improve servicing outcomes for future lending
  • Wanting the certainty of no reassessment during the approved interest-only period 
Example Customer Traditional Structure Equity Flex Benefit
Property Portfolio Investor Higher repayments Lower repayments may support additional property purchases
Rentvestor Reduced monthly flexibility Greater cash flow flexibility while building wealth
Growth Investor Serviceability constraints Improved servicing may support future borrowing capacity
Long-term Investor Shorter repayment horizon Longer loan terms can help improve cash flow management

Investor Scenario

See how an established investor improved cash flow and reduced repayment pressure to support future investment opportunities.

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Rentvester Scenario

See how a first-time rentvestor started building wealth through property while maintaining lifestyle and savings flexibility.

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Training and Resources

Product Flyer
FAQ's
Calculator

Why Brokers Use Equity Flex

Better customer cash flow

Reduced repayments through longer terms and IO periods.

Greater certainty

No reassessment during the IO period.

Longer-term investment strategies

Supports investors seeking to optimise portfolio growth and cash flow flexibility.

Find out more about the Equity Flex Loan

See product details

Important information

All information on this website is subject to change without notice. It's important your customers consider their particular circumstances and read the relevant Product Disclosure Statement and Target Market Determination or Terms and Conditions before deciding what's right for them.

A target market determination for these products is available at distributor.amp.com.au/tmd

This information hasn't taken their circumstances into account. The credit provider and product issuer is AMP Bank Limited ABN 15 081 596 009, AFSL No 234517, Australian credit licence 234517.