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    SMSF home loan at a glance

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    Built for experienced corporate trustees

    • Maximum loan amount $2.5m subject to lending criteria

    • Minimum SMSF fund size of $300k

    • Offset deposit account available

    • Principal and interest

    • Interest only options up to 5 years

    Talk to a specialist

    Great rates with no surprises

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    • Variable rate of

      % P.A 1

    • Comparison rate from

      % P.A 2

    Credit provider AMP Bank Limited ABN 15 081 596 009 AFSL/Australian Credit Licence 234517.  Terms and conditions, fees, charges and lending criteria apply.  A Target Market Determination can be found at www.amp.com.au/resources/banking-tmds

    See all SMSF loan rates

    Turn rental income into a tax advantage

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    Purchasing an investment property through an SMSF allows rental income and capital gains to be taxed at concessional rates, which is often much lower than personal tax rates outside of super, and may even be tax-free during the pension phase. ​

    Returns are net of investment fees and taxes but do not include the impact of the administration fees that are deducted from your account balance. These returns are not a projection. Actual returns may differ, and can be positive or negative. Past performance is not a guide to, or reliable indicator of, future performance.

                      

    Loan options

    Built for corporate trustees who want:

    • Call the shots

    • Keep more in your SMSF

    • Boost retirement wealth

    • The right structure and support

    Application process for SMSF property loan

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    01 Check the criteria
     

    Check that you meet the corporate trustee requirements. Residential investment properties only (no commercial). Also check that your borrowing purpose meets SMSF lending rules (e.g. LRBA structure, eligible trustees, investment‑only purpose).

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    02 Speak to a home loan specialist

    A specialist can confirm eligibility early, explain the structure (SMSF trustee, bare trust, guarantors), and outline the documentation you’ll need to avoid delays.

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    03 Prepare the required documents

    Gather and certify key documents such as the SMSF trust deed, bare trust deed, investment strategy, company trustee documents, member identification, and property contract.

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    04 Submit application
     

    Your broker or specialist will enter the SMSF loan application in Loanapp, complete validations, upload documents, and submit for credit assessment. Once approved, loan documents are issued and settlement follows. It’s a simple process with a home loan specialist.

    Product details

    Product details

    LVR limits                               

    • Maximum LVR (e.g. up to 80% depending on zone) ​
    • Zone based LVR limits (Zone 1 & 2 vs High Density)

    Eligibility Criteria

    • Your maximum loan amount should be no more than 80% of the total value of the property.
    • Corporate trustee requirement (no individual trustees allowed)  ​
    • Investment purpose only – not owner occupied, no change of purpose allowed  ​
    • Eligible security types (e.g., residential only; no off the plan, no rural, no commercial building)  ​
    • Minimum fund size (e.g., $300k net assets)​
    • Minimum loan amount $300k​
    • The liquidity (deposit, bond, shares, etc.) in your SMSF must be at least 10% of your SMSF total asset after you purchase the property.

    Fees

    • Settlement fee ($950)
    • Monthly account fee ($10 per month)
    • Legal fees (at cost, varying from approx. $1000 to $2500 depending on the complexity of the trust structure)​
    • External valuation fees (charged for valuations over $550)
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    Mom and daughter dancing on the floor

    Ready to take the next step for SMSF loans?

    Book a chat and one our home loan specialist will be in touch.

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    FAQs

    Yes

    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.​

    Yes. Customer MUST only use it for SMSF purposes.​

    You cannot. Increases are not permitted as per the SIS Act.​

    10% of total SMSF asset post settlement. Liquid assets ÷ Total SMSF assets ≥ 10%. ​

    80%​

    No, not required, but recommended.​

    Yes. But this refers to the legal advice you need to receive when signing the guarantor documents. ​

    AMP Bank SuperEdge home loan. No other products are permitted for SMSF Loans. ​

    Yes, you can deposit SMSF rental income in the offset deposit and withdraw fund for SMSF expenses but strictly only for SMSF related purposes.​

    No

    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. ​

    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.​

      

    Learn more about banking with AMP

    Important information

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517. This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. Terms and conditions, fees, charges and lending criteria apply.

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.

    A target market determination for these products is available here.

    Any application is subject to AMP Bank's approval.

    For accounts with BSB number 939 900, that you access via AMP Bank GO, the Terms and conditions that apply are available here. 

    For accounts with BSB number 939 200, that you access via the My AMP mobile app, the Terms and conditions that apply are available here.

    Information including interest rates is correct as at and is subject to change without notice.

    1 Investor AMP Superedge Loan for SMSF variable rate, $300,000 and above, LVR ≤60%, P&I repayments. Other rates apply for Interest only loans. Rate is for new loans only and is subject to change.

    2 The comparison rate is calculated for a secured loan for an amount of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

    3 Investor AMP Superedge Loan for SMSF variable rate, $300,000 and above, LVR ≤60%, IO repayments. Rate is for new loans only and is subject to change.