Direct Investment Loan

The Direct Investment Loan is a lower interest rate Margin Loan tailored for investors who prefer to manage their own facility. You'll receive the essentials you need such as online application, online tools and integration with the low-fee online broker of your choice.

Direct Investment Loan fact sheet

Things you need to know


Choose your brokerYou are free to choose your own online broker to trade with.
Lower interest rateHighly competitive fixed and variable interest rates.
Invest in a wide range of assetsInvest in a wide range of Acceptable Investments, including shares, exchange traded government bonds, exchange traded products, and listed investment companies.
No minimum loan amountNo minimum loan amount on which interest is charged. No minimum amounts for drawdowns or repayments. Borrow up to a maximum credit limit of $500,000, with a minimum credit limit of $20,000.
No application or establishment feeFlexible repayments and no application or establishment fees.
Individual and joint applications

Available to individuals and multiple individuals jointly.  (Not suitable for SMSF or Companies)

24/7 online accessAccess your statements and loan account through Leverage Online, 24 hours a day, seven days a week.
Tools and educationAccess a wide range of educational material and resources online, including regular Leveraged email updates.

Earn Qantas Points with the Direct Investment Loan

Rewards Plus offers you a way to earn Qantas Points, to keep your Frequent Flyer membership active and help you to enjoy the benefits you want sooner.

Benefits of Rewards Plus:

  • Enjoy the benefits of membership of the Qantas Frequent Flyer program
  • Earn Qantas Points to redeem on flights, flight upgrade awards, products from the Qantas Store, hotels, wine and more

You earn Qantas Points based on your loan balance, according to the package level you choose to apply for. Available packages are listed below:

Rewards Plus package*Qantas Points
Standard30,000 points per $100,000 p.a. pro-rata
Gold45,000 points per $100,000 p.a. pro-rata
Platinum60,000 points per $100,000 p.a. pro-rata

*See Rates and Fees for Rewards Plus package interest rates and fees


Maximise investment opportunityBorrowing additional money to invest increases your exposure to an investment, enhancing your profits and potential dividends earned if the portfolio rises.
DiversificationA Margin Loan can enable you to diversify your investment portfolio. Borrowing to invest gives you access to more funds, allowing investment into a different range of asset classes, industries and companies.

Manage your investment activities with the help of a flexible facility, including:

  • No set date to repay the loan
  • Online access to view and transact 24/7
  • A variety of interest rate options
  • A wide selection of Acceptable Investments
Potential tax deductibilityDepending on your individual circumstances, you may be entitled to claim an income tax deduction for some or all of your borrowing costs.


Changes in portfolio values and interest ratesIt is possible the performance of your investments or changes in interest rates will result in you earning a lower return or incurring a larger loss than if you had not borrowed to invest.
Events resulting in your loan becoming dueEvents, such as margin calls and events of default or termination, can result in some or all of your loan being due for payment in a short period, including immediately.
Mismatch of cash flows and restrictions on the ability to deal in investmentsInterest and other charges can become due for payment before you receive any distributions from your investments.
Net proceeds may not cover the loanYou are required to repay the total amount owing when declared due irrespective of any net sale proceeds.
Reliance on othersReliance on operations, policies and procedures of the Lender, Nominee and Sponsor, and the Authorised Person acting in your interests.
Powers of the Lender, Nominee and SponsorYou give a Power of Attorney allowing certain acts by the Lender, Nominee and Sponsor.
Legislative changesChanges to legislation and taxation policies can impact your facility.
A Margin Loan is more complex than a traditional loanGearing can magnify your potential gains and losses. Ensure you have read and understood the Product Guide, as well as obtain the appropriate financial advice before investing.