Specifically designed for the self-directed investor.
Our lowest variable rate margin lending solution
The Direct Investment Loan is our lowest variable rate margin loan. Specifically designed for the self-directed investor with the ability to integrate with selected online brokers. The Direct Investment loan has an online application, a maximum credit limit of $500,000, and a number of ways to pay interest.
Features of our direct investment loan
- Specifically designed for the self-directed investor
- Ability to integrate with select online brokers
- Our lowest variable rate margin lending solution
Benefits
Increase your investment capacity
Leverage an existing portfolio or create a new investment portfolio to boost your investment capacity and diversify your assets.
Diversification
Access more funds to diversify your investments into different asset classes, industries and companies.
Liquidity
Additional liquidity without selling assets so you can take advantage of investment opportunities when they arise.
Flexibility
A number of ways to pay interest and operate your Margin Loan facility with your other investment accounts and services.
Tax effectiveness
You may be entitled to claim an income tax deduction for some or all of your borrowing costs depending on your individual circumstances.1
Risks
Changes in portfolio values
It is possible that the performance of your investments may change, which will result in you earning a lower return or incurring a larger loss than if you had not borrowed to invest. A fall in the value of your investments may also trigger margin calls.
Interest rate changes
An increase in the interest rate will also increase your borrowing costs, where a variable rate of interest applies.
Events resulting in your loan becoming due
Margin Calls, market disruptions, credit limit exceeds, default events or termination can result in some or all of your loan being due for payment in a short period and/or immediately.
Investment income risk
Interest and other charges can become due for payment before, or to be larger than, any distributions you may receive from your investments.
Net proceeds may not cover the loan
You are required to repay the total amount owing when declared due irrespective of any net sale proceeds.
Reliance on others and legislative changes
You are reliant on the operations, policies and procedures of the lender, nominee and sponsor, as well as any authorised person or agent you appoint for your loan account. Legislative changes may also impact your facility.
Add on features
Rewards Plus
Reward Plus is an additional feature that enables you to earn Qantas Points with your Direct Investment Loan, which contributes to keeping your Qantas Frequent Flyer^ account active and helps you enjoy the benefits of the membership sooner. Best of all, Rewards Plus offers you uncapped points potential.
You earn Qantas Points based on your loan balance and the points will be awarded monthly. The time points are awarded will depend on your selected interest payment schedule. If you pay your interest in advance, points will be awarded before the end of the month in which you prepaid interest. If you pay interest in arrears, points will usually be awarded in the month after you pay interest. If your Rewards Plus request is accepted, a higher variable rate may apply to your Direct Investment Loan facility.
The following table shows you how many Qantas points you could potentially earn using Rewards Plus.
| Loan balance | Qantas points |
| Up to $500,000 | 60,000 points per $100,000 p.a. pro-rata |
Product documents
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Leveraged Terms and Conditionspdf, 688 KB
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Leveraged Direct Investment Loan PDSpdf, 151 KB
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Leveraged Direct Investment Loan PDS Updatespdf, 122 KB
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Leveraged Direct Investment Loan Product Guidepdf, 335 KB
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Leveraged Direct Investment Loan Acceptable Investments Listpdf, 123 KB
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Leveraged Direct Investment Loan Incorporated Statementspdf, 155 KB
We can help you get started today
Get in touch
Phone
1300 307 807
+61 2 8282 8282 (If calling from overseas)
8:30am - 5:30pm AEST/AEDT
Monday - Friday
Online
Send us an online enquiry or email customerservice@leveraged.com.au
GPO Box 5388,
Sydney, NSW, 2001
Things you should know
^ You must be a Qantas Frequent Flyer member to earn Qantas points. A joining fee may apply. A higher variable rate may apply to your margin loan facility. For more information, refer to the 'Rewards Plus' section of the Leveraged Terms & Conditions.
Gearing involves risk. It can magnify your returns; however, it may also magnify your losses.
The Leveraged Equities Direct Investment Loan is issued by Leveraged Equities Limited (ABN 26 051 629 282, AFSL 360118) as Lender and as a subsidiary of Bendigo and Adelaide Bank Limited (ABN 11 068 049 178 AFSL 237879). The information on this website contains general advice only and does not take into account your personal objectives, financial situation or needs. Terms, conditions, fees, charges and normal lending criteria apply.
Please consider your personal circumstances, consult a professional financial adviser and read the Product Disclosure Statement and Incorporated Statements (together, the 'PDS') and Product Guide, together with the terms and conditions applying to the product or service, before making an investment decision. To obtain a copy of the PDS and relevant information please call 1300 307 807, visit the individual product pages on this website, or contact your financial adviser. Not for a self-managed superannuation fund
