RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.74% (6.40%*) • Investment PI: 5.58% (6.62%*)

  Westpac Online Investment Loan

Designed for direct investors, and integrated with a Westpac Share Trading account, our simplified margin loan may help you build a diversified share portfolio.
Category: Margin Loans  Last Updated May 20, 2024  Effective July 5, 2024

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT product. Additional Information Variable Interest rate
Interest Rate
8.35% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  INVESTMENT, FIXED, 8.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Available for individuals and joint borrowers.
  • Other Additional Information: Interest: Receive preferential variable and fixed rates. Interest and other costs could be tax deductible. It may be possible to bring forward a tax deduction by prepaying interest. Prepaying your interest before the end of the financial year can help you manage your cashflow.
  • Other Additional Information: No application or establishment fee.
  • Other Additional Information: Loan-to-Value Ratio (LVRs): The LVR determines the amount Westpac Online Investment Loan will let you borrow against an individual security. With Westpac Online Investment Loan, LVRs are up to 75%, depending on the particular security.
  • Other Additional Information: Minimum loan amount: No transaction limits, no minimum amounts for loan drawdowns or repayments.
  • Other Additional Information: Tools to manage your loan: Monitor and transact on your loan account online 24 hours a day, 7 days a week. The complete picture of your borrowings and shares in the one place Specialist Investment Loan Customer Service available Monday to Friday, 8.00am to 6.30pm (Sydney time) on 1300 551 744.
  • Other Additional Information: Key risks include: While borrowing to invest in shares and managed funds increases your potential returns, it can also increase potential losses. In a volatile market, the value of your investment loan portfolio may fall to a level where it no longer provides adequate security for your investment loan and can trigger a margin call. If this happens you will be required to bring your loan balance back under your borrowing limit. The margin loan is a full recourse loan - even if the value of your security portfolio falls to zero, you are still liable to repay the total loan balance outstanding. We recommend you seek independent financial and taxation advice before acting on this information. Please refer to the Westpac Online Investment Product Disclosure Statement for more information.
  • Other Additional Information: Your loan facility will consist of a variable interest rate loan and you may request any number of fixed interest rate loans.
  • Other Additional Information: Fixed interest rates are available for terms ranging from 3 months to 5 years
  • Other Additional Information: Interest Payment Options: Variable interest can either be paid by direct debit or capitalised to the loan (subject to you having sufficient Funds available). Fixed interest can either be paid by direct debit, BPAY, direct credit or capitalised to the loan.
  • Other Additional Information: No regular repayments are required provided your outstanding loan balance remains at or below your Borrowing Limit and Credit Limit.
  • Other Additional Information: Buffer: To ensure that small fluctuations in the market value of your security do not trigger a Margin Call, a 10% Buffer is applied to the market value of each Acceptable security.
  • Extra Repayments Additional Information: Indicates that the product has the option to accept extra repayments without incurring additional charges (for example Buy Now, Pay Later (BNPL) or line of credit products may offer the facility to repay instalments on an adhoc basis).
  • Relationship Management Additional Information: Relationship management is available for eligible customers.
  • Notifications

 Product Eligibility

  • Min Age - 18. Additional Information: Applicant should be 18 years or over
  • Residency Status - Should Be An Australian Resident.
  • Other Additional Information: Investors who are Individuals or joint individual
  • Other Additional Information: Investors who are not holders of a Significant Investor Visa (188C)

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: 0.00.
  • Transaction Fee (Upfront), Amount: 0.00.
  • Application Fee (Upfront), Amount: 0.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00

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