SMSF lending designed to support you
Expand your offering with a smoother, end-to-end digital process and clear lending frameworks. So you can deliver more value to customers.
Competitive, transparent rates
Makes it easy for customers to understand what they’re paying, with a clear rate that supports their long‑term planning.
Offset deposit account
Lowers the interest customers pay by keeping their SMSF money beside the loan, while still allowing them to use it for approved SMSF costs.
P&I and Interest-only options (up to 5 years)
Helps your customers keep repayments lower at the start, so their SMSF has more cash available to manage fund costs.
Make your job easier
Expert support
An experienced team guiding you through every step of the SMSF lending journey.
Clear credit policy
Quickly see who’s eligible and what’s needed, without the back and forth.
Strong compliance framework
Feel confident you’re doing things by the books, with clear guardrails at each step.
So if your customers:
- Are looking for a residential property investment with SMSF with a corporate trustee
- Have a minimum SMSF fund size of $300,000 (net asset test)
- After settlement, the SMSF can retain at least 10% of its total assets in liquid form (such as cash or shares) to ensure the fund can cover ongoing expenses and meet its obligations
Find out more about SMSF lending
Case Study : Variable Interest-Only SMSF Loan for Investment Diversification
Customer Profile
Name: Julie (52)
Retirement Age Goal: 65 years old
Current Situation: Owns a local accounting practice and has a moderate superannuation balance. Julie is seeking to diversify her SMSF investments to create a more robust retirement portfolio.
Retirement Strategy: Focuses on building a steady income stream for retirement by investing through her SMSF, with plans to pass on the fund to her daughter as part of her succession planning.
How a Variable Interest-Only SMSF Loan Can Help Her
Julie’s SMSF uses a variable interest-only loan to finance an investment property. By choosing an interest-only loan structure, the fund pays only the interest component initially, maintaining higher liquidity and flexibility, especially in the early years. Rental income from a third-party tenant contributes to the SMSF’s cash flow and supports the fund’s long-term growth. As the interest only period ends, Julie may choose to switch to principal and interest repayments or sell the asset to realise gains, depending on her retirement needs and market conditions.
Things to Consider
- All transactions must be at arm’s length and at market value to comply with super laws.
- The SMSF must have sufficient liquidity to meet variable loan repayments and ongoing fund expenses, as interest rates can fluctuate and affect cash flow.
- The property must not be used for private purposes while held in the SMSF.
- Borrowing increases risk and administrative complexity; advice from an SMSF specialist is recommended.
- Consider future succession and estate planning implications.
Key Takeaways
- A variable interest-only SMSF loan can help diversify the fund’s assets, provide flexibility in cash flow management, and support succession plans.
- Variable rates mean repayments may change, so regular review and risk management are essential.
- Compliance and proper structuring remain crucial — the ATO closely monitors related-party transactions.
- This strategy can provide stable income in retirement but requires careful planning.
“A good pair of binoculars can do wonders for the detail you will see on the lunar surface.”
Pat Simpson, Customer
Check out our training hub
Explore our training resources to support you to lodge your customers SMSF application in Loanapp.
Visit our training hubOther SMSF products for your customers
FAQs
Can an offset deposit account be linked to the SMSF Loan account?
Yes
What Product is offered as part of the SMSF Lending
AMP offers the SMSF Super Edge loan as part of its SMSF Lending options. This product is available with both Principal & Interest and Interest Only repayment choices, currently on a variable rate only.
Please note: The SMSF Super Edge loan is only available for eligible residential security and is limited to corporate SMSF trustees.
Can a customer have an access card for the linked offset deposit account?
Yes. Customer MUST only use it for SMSF purposes.
How does a customer request an increase the SMSF Loan?
You cannot. Increases are not permitted as per the SIS Act.
What is the liquidity ratio and how is it calculated?
10% of total SMSF asset post settlement. Liquid assets ÷ Total SMSF assets ≥ 10%.
What is max LVR?
80%
What are the restricted post codes?
Only post codes under Zones 1 and 2 are permitted, construction, off-the-plan and land loan are not permitted
What is the process for KYC/AML for the AMP Bank SMSF Loan account? Is it longer than the standard process?
The process is the same, with one additional step: a SuperFund Check. Which will be performed by our Pre-Assessment Team, post submission.
Do you need a Statement of Customer Advice (SOCA)?
No, not required, but recommended.
Do you need legal advice?
Yes.
What products can you use for an SMSF Loan?
AMP Bank SuperEdge home loan. No other products are permitted for SMSF Loans.
Is there a different SLA for this?
Yes. We will determine SLA after the initial launch, once we have a clearer picture of SMSF volume and processing time.
Are loan docs sent via Docusign OR printed and posted?
DocuSign
Are there any legal sign off in the docs? Is this via Docusign or wet signature?
DocuSign
How does the offset deposit account work? Can you withdraw and deposit when you want to or are there restrictions based on the SIS act?
Yes, you can deposit SMSF rental income in the offset deposit and withdraw fund for SMSF expenses but strictly only for SMSF related purposes.
Can you split / vary post settlement?
No
What’s the process to withdraw funds from the offset deposit account?
Physically withdrawing cash from an offset deposit account is discouraged as there is a risk of co-mingling of funds that are for personal use.
What does limited recourse mean?
Limited recourse refers to a legal or financial arrangement where the lender has restricted rights to claim repayment or compensation if the borrower defaults.
In simpler terms:
In a loan context: If a borrower fails to repay a loan, the lender can only recover the money from specific assets or collateral tied to the loan - not from the borrower’s other personal or business assets.
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.