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.
You Asked. We acted.
Based on broker feedback, AMP Bank has rolled out 5 SMSF policy improvements and rolled out pre-approval, designed to reduce friction, improve certainty and help you submit more SMSF deals with confidence — live now.
We have made the following SMSF improvements
- Simplified liquidity test Reduced from 10% of total SMSF assets to 5% of the total loan amount
- Lower minimum loan size Reduced from $300,000 to $200,000
- Lower minimum SMSF fund size (net asset test) Reduced from $300,000 to $250,000.
- Minimum SMSF expense assumption reduced. SMSF expenses are now assessed more accurately based on typical fund costs
- Expanded acceptable security locations (Perth metro) Selected Zone 3 Perth metropolitan postcodes now accepted (subject to credit manager approval)
- Pre approvals now available
Loan information
Loan snapshot
- Loan term: Up to 30 years
- Repayments: Principal & Interest, with Interest‑Only available (subject to policy)
- Purpose: Purchase or refinance of residential investment property under an LRBA
- Borrower: SMSF trustee (corporate trustee required)
- Property use: Investment only (no owner‑occupation or personal use)
- Offset account: Available (subject to SMSF rules)
- Pre‑approvals: Now available for eligible SMSF borrowers
- Minimum loan amount: From $200,000
Clear SMSF LVR limits apply
- Residential investment property:
- Up to 80% LVR, subject to policy and security location
Who this loan is for (SMSF)
- SMSFs looking to invest in residential property within super
- Trustees seeking long‑term investment growth inside their fund
- SMSFs wanting cash‑flow flexibility, including Interest‑Only options
- Trustees who value greater certainty, with SMSF pre‑approvals now supported
- Experienced investors familiar with SMSF borrowing and LRBA structures
Key SMSF requirements apply
- Corporate trustee structure required
- Investment must meet sole‑purpose and arm’s‑length rules
- Simplified liquidity test:
- Minimum post‑settlement liquidity of 5% of the loan amount
- Minimum SMSF fund size:
- Net assets from $250,000
SMSF Loan documents
Video training
Check out our training hub
Explore our training resources to support you to lodge your customers SMSF application in Loanapp.
Visit our training hubFind out more about SMSF lending
Build customers’ retirement wealth
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.
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.