Lending and bank accounts, both associated with BSB number 939 200
AMP Superedge Loan
A home loan for property purchases within an SMSF structure. Offsets are available for variable loans.
Home loansBank updated 25 Aug 2026
At a glance
- Variable (investor P&I)
- 6.89%
- Max LVR
- 80%
- Annual fee
- $120
- Features
- offset, extra repayments
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableNew business rates, fees and charges apply | Investment · Interest only | — | ≤50% LVR · $200,000–$2,500,000 | 7.19% | 7.37% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · Interest only | — | 60–70% LVR · $200,000–$2,500,000 | 7.19% | 7.37% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · Interest only | — | 70–80% LVR · $200,000–$2,500,000 | 7.19% | 7.43% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | ≤50% LVR · $200,000–$2,500,000 | 6.89% | 7.26% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | 60–70% LVR · $200,000–$2,500,000 | 6.89% | 7.26% | New business rate |
| VariableNew business rates, fees and charges apply | Investment · P&I | — | 70–80% LVR · $200,000–$2,500,000 | 6.99% | 7.36% | New business rate |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Audit certificate fee | Event | $25 | — | When you or an auditor request an audit certificate for your account |
| Rework fee | Event | $249 | — | Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer. |
| Transaction trace fee | Event | $20 | — | When you request us to investigate and trace a transaction |
| Valuation fee | Event | Varies | — | Payable when valuation costs associated with a loan application or variation exceed $550. If applicable, we will advise you of any excess valuation costs payable prior to the valuation. |
| Variation fee | Event | $299 | — | Plus any solicitor's or mortgage processing costs, valuation costs if applicable and any government fees which may vary from state to state. Payable when we agree to vary your loan or any security -… |
| Verification of identity by Australia Post | Event | Varies | — | Payable when you obtain a Verification of Identity service from an Australia Post office. |
| Discharge fee | Exit | $490 | — | Payable when we are requested to discharge all securities. Customers also pay the actual solicitors' or mortgage processing servicers' costs, which include,for example, search fees and postage, valua… |
| SuperEdge Account Management Fee | Periodic | $10 | Every 1 mo | Refer to the banks fees and charges guides for information relevant to your product |
| Settlement Fee for SMSF | Upfront | $950 | — | Payable to cover processing and administration costs for settlement of AMP Superedge Loan. Not applicable for Professional Package, AMP Essential Home Loan, AMP First Home Loan and Land Loan. Refer t… |
| Solicitors’ and Mortgage Processing Servicers’ costs | Upfront | Varies | — | Payable when a new loan agreement for an SMSF loan is established and we instruct our solicitors or mortgage processing servicers’ to act on our behalf in connection with the loan agreement or securi… |
§ 03 — Features
Offset accountExtra repaymentsDigital bankingFraud protectionUnlimited transactionsApple Pay, Samsung Pay or Google Pay
§ 04 — Eligibility & limits
- · Amount $200,000 to no maximum
- · Must be ATO regulated SMSF trust
- · The loan term ranges from a minimum of 10 years to a maximum of 30 years
§ 06 — Run the numbers
Put this product through a calculator
Published by AMP - My AMP under the Consumer Data Right, last changed by them on 25 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.