Westpac Online Investment Loan

General Lending Rates

Product Variations

Product Features

• Other Additional Information: Available for individuals and joint borrowers.

• Other Additional Information: Investment options: Borrow against a wide range of acceptable listed securities

• Other Additional Information: Online access: View and manage your account via the Westpac Margin Lending portal and Westpac Share Trading app

• Other Additional Information: Low brokerage fees: Starting from $4.95

• Other Additional Information: Repayments and fees: Flexible repayments with no set principal repayment schedule, or margin loan fees

• Other Additional Information: No application, establishment or transaction fees.

• Other Additional Information: Linked Westpac Share Trading account: You have the choice to link an existing or establish a new Westpac Share Trading account in the same name to your loan

• Other Additional Information: Potential risks: All investments are subject to risk. Some of the main risks associated with taking out a margin loan include: Borrowing to invest can increase your potential returns, however it can also increase potential losses. The value of securities may not go up, or if they do, the increase in value may not be sufficient to cover the costs of the investment. You need to ensure that you can fund your obligations under your loan, including any interest, fees, and charges. If you can?t, the securities will be sold to satisfy these obligations. You should also consider the taxation consequences and seek independent professional tax advice.

• Other Additional Information: Tools to manage your loan: 24/7 online access to both the Westpac Margin Lending portal and Westpac Share Trading app/website to view and manage your Loan. Trade on the go through the Westpac Share Trading app. Electronic buffer and margin call alerts

• Other Additional Information: Choice of acceptable securities: Choose from more than 500 listed securities with loan-to-value ratios (LVRs) between 35% to 75%. More information can be found on the Acceptable Securities page.

• Other Additional Information: Westpac Margin Lending offers variable and fixed interest rates on both the Westpac Margin Loan and Westpac Online Investment 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: Fixed interest rates are available for terms ranging from 3 months to 5 years

• 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 Individual or joint borrowers

• 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 Additional Information: Minimum credit limit of $20,000, no minimum loan amount.

Document Downloads

  westpac-online-investment-loan-facility-agreement.pdf (425.9 KB)