AMP Bank's SuperEdge: A New Era in SMSF Property Lending
Exploring the Features and Benefits of AMP Bank's SuperEdge for SMSF Trustees
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AMP Bank has re-entered the self-managed super fund (SMSF) lending market with the launch of SuperEdge, marking its return after an eight-year hiatus.
This move aims to provide SMSF trustees with enhanced flexibility and control over their retirement investments.
SuperEdge offers several key features designed to meet the unique needs of SMSF trustees:
Flexible Repayment Options: Trustees can choose between principal and interest or interest-only repayments for up to five years, supported by a documented transition plan.
Optional Offset Facility: An offset account is available to help manage cash flow while maintaining asset separation.
Digital Broker Experience: The platform includes automated SMSF structure checks and document validation to reduce rework and improve turnaround times.
To ensure responsible lending, SuperEdge is available exclusively to corporate trustee structures, with a maximum loan-to-value ratio (LVR) of 80%. Additionally, SMSFs must have minimum net assets of $300,000 and maintain at least 10% liquid assets post-settlement.
AMP Bank's Group Executive, Sean O’Malley, emphasized the importance of providing trustees with competitive and transparent lending options as they build long-term wealth. He highlighted that SuperEdge is designed to offer more control, flexibility, and confidence to SMSF trustees approaching retirement.
For SMSF trustees considering property investment, SuperEdge presents a compelling option, combining practical features with a strong compliance framework to support long-term financial goals.
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