Investment Funds Multiplier

A Margin Loan with the added benefit of a periodic repayment plan. In the event of a significant and sustained fall in portfolio value, you can progressively reduce the loan through periodic repayments, until the gearing ratio is restored to an acceptable level.

Investment Funds Multiplier fact sheet

Features you can add to your Investment Funds Multiplier

Earn Qantas Points with Leveraged

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. The table below shows you how many Qantas Points you could potentially earn using Rewards Plus. This is valid for accounts opened after 1 August 2016.

Loan balanceQantas Points
Less than $150,000Up to 30,000 points per $100,000 p.a. pro-rata
$150,000 to $499,999Up to 40,000 points per $100,000 p.a. pro-rata
$500,000 to $999,999Up to 50,000 points per $100,000 p.a. pro-rata
$1,000,000 or greaterUp to 60,000 points per $100,000 p.a. pro-rata

Rewards Plus fact sheet

Instalment gearing

Instalment Plus combines two investment strategies: borrowing to invest, and regular investing. By implementing a regular savings and investment plan you can progressively build an investment portfolio.

You need just $1,000 with a minimum loan of $2,000 to get started, with a minimum monthly contribution of $250.

Benefits of Instalment Plus:

  • Buy through the ups and downs of the market
  • You may be able to buy at a lower average price if the overall price is trending upward
  • Progressively build an investment portfolio

Instalment Plus fact sheet

Benefits and risks of Investment Funds Multiplier


Repayment plan instead of a Margin CallIf the value of your investment portfolio falls, instead of a margin call, you reduce your gearing ratio to an acceptable level through a regular Periodic Repayment Plan. This gives you greater certainty about potential cash flow, allowing you to manage your investment through short-term market volatility. Check out our Investment Funds Multiplier case study to find out more about the Periodic Repayment Plan.
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.