Direct Investment Loan

The Direct Investment Loan is a low rate margin loan, specifically designed for the self-directed investor. Integrated with the online broker of your choice, the Direct Investment loan has a simple online application, a maximum credit limit of $500,000, flexible repayments, no minimum loan amount on which interest is charged and no application or establishment fees.
Category: Margin Loans  Last Updated September 9, 2024  Effective October 23, 2024

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT product. Additional Information
Interest Rate
8.34% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  INVESTMENT, VARIABLE, 9.34%
  • Lending Rate Type: Variable
  • Interest Rate: 9.34%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.54%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.64%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Rewards Plus is an additional feature that enables you to earn Qantas Points with your Direct Investment Loan account, to keep your Qantas Frequent Flyer program membership active and help you enjoy the benefits of membership sooner. Best of all, Rewards Plus offers you uncapped points potential.

 Product Eligibility

  • Natural Person - Available To Individuals. (not Available For Smsf, Trust, Company Or Guarantor Applicants).
  • Min Age - 18.
  • Residency Status - Permanent Resident Or Australian Citizen.
  • Other Additional Information: All applications subject to Responsible Lending Assessment

 Bank Fees and Charges

  • Establishment Fee - Individual Or Joint Applicants (Upfront), Amount: 0.00.
  • Additional Product Features Fee - Rewards Plus (Event), Amount: 0.00.
  • Trading Fees (Transaction), Amount: 5.00. Additional Information: Charged to your Direct Investment Loan facility. A fee of $5.00 per trade applies to the number of trades above the free trade allowance per month. Calculated on the average monthly loan balance of the Direct Investment Loan facility. Refer to the Leveraged website for information on maximum free trades per month.
  • Transaction Fee - Credit Funds To The Loan Account (Transaction), Amount: 0.00.
  • Transaction Fee - Pay Funds From The Loan Account - Standard Direct Credit (Transaction), Amount: 0.00. Additional Information: Standard direct credit
  • Transaction Fee - Pay Funds From The Loan Account - Same Day Tt/rtgs (Transaction), Amount: 26.00. Additional Information: Same day TT/RTGS
  • Transaction Fee - Dishonour Fee - Transfer From Loan Account (Transaction), Amount: 9.00. Additional Information: Applicable if a funds transfer fails, for example, if there are insufficient funds in an account
  • Transaction Fee - Dishonour Fee - Direct Debit From A Nominated Account (Transaction), Amount: 35.00. Additional Information: Applicable if a funds transfer fails, for example, if there are insufficient funds in an account
  • Transaction Fee - Issuer Sponsored Search (Transaction), Amount: 16.50.
  • Transaction Fee - Retrieval Of Information (Transaction), Amount: 50.00. Additional Information: Applicable when your nominated adviser requests the lender to retrieve, collate or provide archived or historical information
  • Transaction Fee - Break Costs (Transaction), Amount: 250.00. Additional Information: Minimum $250.00. Applicable if you break a fixed rate loan (refer to section 4.1 of the Product Guide for further information regarding Break Costs).
  • Transaction Fee - Off Market Transfer Fee (Transaction), Amount: 25.00. Additional Information: $25 per security. Applicable when a transfer of Security resulting in a Change of Beneficial Ownership to Issuer Status or another Controlling Participant
  • Transaction Fee - Late Settlement Of Buy Contract Note (Transaction), Amount: 30.00. Additional Information: $30 per contract note. Applicable when a buy contract note does not settle on the due date as specified on the contract note
  • Transaction Fee - Late Settlement Of Sell Contract Note (Transaction), Amount: 30.00. Additional Information: $30 per contract note. Applicable when a sell contract note does not settle on the due date as specified on the contract note.
  • Facility Closing Fees - Early Account Closing (Exit), Amount: 200.00. Additional Information: Minimum $200.00. Applicable if you repay the total Facility Balance in full within 4 months of the start of your first Loan, up to an amount equal to the interest that would have been earned on the Minimum Interest Balance for the period from when you repay to 4 months from the start of your first loan.

 Limitations & Restrictions (Constraints)

  • Max Limit of 500000.00
  • Min Limit of 20000.00

 Document Downloads