{
  "source": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_SMSF_HL",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "AMP_SMSF_HL",
    "effectiveFrom": "2026-02-04T00:00:00.000Z",
    "lastUpdated": "2026-06-30T00:00:00.000Z",
    "name": "AMP Superedge Loan",
    "description": "A home loan for property purchases within an SMSF structure. Offsets are available for variable loans.",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "brand": "AMP - My AMP",
    "brandName": "Lending and bank accounts, both associated with BSB number 939 200",
    "isTailored": false,
    "fees": [
      {
        "name": "Valuation fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "null",
          "feeMaximum": "null"
        },
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Rework fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "249"
        },
        "additionalInfo": "Payable when a loan agreement or variation to loan agreement is re-issued due to changes requested by either you or the introducer.",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Variation fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "299"
        },
        "additionalInfo": "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 - not payable for ProPack or AMP First loans. Switching to a variable rate or another fixed rate at the end of a fixed rate period is free. Switching your repayment type from interest only to principal and interest is free.",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Discharge fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "390"
        },
        "additionalInfo": "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, valuation costs if applicable and any applicable Government fees, which may vary from state to state.",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Verification of identity by Australia Post",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "null",
          "feeMaximum": "null"
        },
        "additionalInfo": "Payable when you obtain a Verification of Identity service from an Australia Post office.",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Transaction trace fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20"
        },
        "additionalInfo": "When you request us to investigate and trace a transaction",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Audit certificate fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25"
        },
        "additionalInfo": "When you or an auditor request an audit certificate for your account",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Settlement Fee for SMSF",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "950"
        },
        "additionalInfo": "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 to AMP Bank's fees and charges guides for information relevant to your product",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "SuperEdge Account Management Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10"
        },
        "additionalValue": "P1M",
        "additionalInfo": "Refer to the banks fees and charges guides for information relevant to your product",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Solicitors’ and Mortgage Processing Servicers’ costs",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "null",
          "feeMaximum": "null"
        },
        "additionalInfo": "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 security property. Payable when additional services are provided by our solicitors or mortgage processing servicers’, including courier costs, telegraphic transfer costs and costs to arrange settlement in a remote area.",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      }
    ],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalValue": "An offset account can be connected to the product",
        "additionalInfo": "You can choose to set up an Offset Deposit Account on a variable rate loan. \n\nWARNING: Trustees of self-managed super funds must ensure that use of the offset deposit account is compliant with their regulatory obligations"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalValue": "Unlimited free transactions available",
        "additionalInfo": "Service fees may apply for manual redraw requests or special services."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Samsung Pay or Google Pay",
        "additionalInfo": "Customers can link eligible AMP accounts to Apple Pay, Google Pay, and Samsung Pay for secure and convenient digital wallet transactions."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Customers can access and manage their home loan online via My AMP, our secure digital banking platform, offering features for easy account monitoring and transactions."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "AMP home loans allow for flexible additional repayments to reduce interest and pay off loans faster. Variable rate loans allow unlimited extra repayments, while fixed-rate loans often limit these to $10,000 per 12-month period. Please refer to Loan Conditions and Credit guide for more information on the consequences of repaying your Fixed Rate Loan early",
        "additionalInfoUri": "https://www.amp.com.au/content/dam/amp/digitalhub/common/Documents/HomeLoans/Forms/NS4174_Loan_Conditions.pdf"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "AMP home loans are protected by secure login, encryption, transaction monitoring, and customer alerts to help prevent and detect fraud. Support is available for customers in the event of suspected unauthorised activity."
      }
    ],
    "constraints": [
      {
        "additionalValue": "200000",
        "additionalInfo": "Minimum lending amount for new home loans is $200,000",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "The loan term ranges from a minimum of 10 years to a maximum of 30 years",
        "constraintType": "OTHER"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Must be ATO regulated SMSF trust",
        "additionalInfo": "Must be ATO regulated SMSF trust"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0689",
        "comparisonRate": "0.0726",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR greater than 50% and less than or equal to 60% inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Under 50% LVR inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "superedge_tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000",
            "maximumValue": "2500000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New business rate",
            "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
          }
        ],
        "additionalInfo": "New business rates, fees and charges apply",
        "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0689",
        "comparisonRate": "0.0726",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR greater than 60% and less than or equal to 70% inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "superedge_tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000",
            "maximumValue": "2500000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New business rate",
            "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
          }
        ],
        "additionalInfo": "New business rates, fees and charges apply",
        "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0699",
        "comparisonRate": "0.0736",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR greater than 70% and less than or equal to 80% inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "superedge_tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000",
            "maximumValue": "2500000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New business rate",
            "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
          }
        ],
        "additionalInfo": "New business rates, fees and charges apply",
        "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0719",
        "comparisonRate": "0.0737",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR greater than 50% and less than or equal to 60% inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Under 50% LVR inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "superedge_tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000",
            "maximumValue": "2500000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New business rate",
            "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
          }
        ],
        "additionalInfo": "New business rates, fees and charges apply",
        "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0719",
        "comparisonRate": "0.0737",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR greater than 60% and less than or equal to 70% inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "superedge_tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000",
            "maximumValue": "2500000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New business rate",
            "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
          }
        ],
        "additionalInfo": "New business rates, fees and charges apply",
        "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0719",
        "comparisonRate": "0.0743",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR greater than 70% and less than or equal to 80% inc LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "superedge_tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000",
            "maximumValue": "2500000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New business rate",
            "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
          }
        ],
        "additionalInfo": "New business rates, fees and charges apply",
        "additionalInfoUri": "https://www.amp.com.au/home-loans/interest-rates-fees"
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.amp.com.au/home-loans/interest-rates-fees",
      "termsUri": "https://www.amp.com.au/bankterms",
      "feesAndPricingUri": "https://www.amp.com.au/content/dam/amp/digitalhub/common/Documents/HomeLoans/Forms/308006_Home_Loan_Fees_and_Charges_Guide.pdf"
    }
  }
}