AMP returns to SMSF lending with new loan offering

AMP Bank is returning to the self-managed super fund lending market with a new product called SuperEdge, designed to help Australians take control of their retirement savings and grow wealth through property.

AMP SMSF Loan Features

The bank has confirmed it’s targeting a Q1 2026 launch. The new AMP SMSF Loan will offer three standout features:

• an offset account,

• up to 80% loan-to-value ratio

• interest-only repayments.

These inclusions make it one of the more competitive SMSF property loans expected to enter the market. The offset feature is especially useful for SMSFs, allowing funds to park cash while reducing interest costs. The higher LVR gives trustees more purchasing power, while interest-only terms can improve cash flow in the short term.

AMP previously withdrew from SMSF lending in 2018, so this marks a strong return of confidence in the sector. In recent years, most major banks have avoided SMSF loans, leaving the space dominated by smaller lenders.

Impact on SMSF investment market

Flexdoc Founder Peter Esho says "...AMP’s re-entry could bring renewed competition and sharper pricing, benefiting trustees who have been left with limited options..."

For SMSF investors, this move comes at a time when property remains a key pillar of retirement planning. As many Australians move closer to retirement, owning income-producing property within their super fund can provide a hedge against inflation and long-term capital growth.

Flexdoc SMSF offering

If you’re planning to buy property through your SMSF, now is the time to review your fund strategy and get professional lending advice. Flexdoc specialises in helping self-employed investors and trustees find smarter finance solutions for their super funds.

When AMP’s SuperEdge loan launches, you’ll want to be ready to move.

Flexdoc SMSF Lending