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Direct Investment Loan

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 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 Direct Investment 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.

Risks

Changes in portfolio values and interest rates

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. 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.

Mismatch of cash flows

Interest and other charges can become due for payment before you receive any distributions 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

Reliance 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 Sponsor

You give a Power of Attorney allowing certain acts in relation to your Margin Loan by the Lender, Nominee and Sponsor.

Legislative changes

Changes to legislation and taxation policies can potentially impact your facility.

Complexity of a Direct Investment Loan compared to a traditional loan

Gearing can magnify your potential gains and losses. Ensure you have read and understood the Product Disclosure Statement, Incorporated Statement, Product Guide and terms and conditions of the loan product as well as obtained the appropriate financial advice before investing.

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

 

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

Mail

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. Membership, and the earning and redemption of Qantas Points is subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms.

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. This information does not constitute financial or tax advice. We recommend that you obtain your own independent professional and tax advice on the risks and suitability of this type of investment and to determine whether your interest costs will in fact be fully deductible in the current financial year in your particular circumstance. 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 suitable for a self-managed superannuation fund

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Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Leveraged Equities Limited ABN 26 051 629 282 AFSL 360118
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