Fix. Prepay. Earn Qantas Points
Fix your margin loan and prepay interest by 30 June 2026.^ Earn Qantas Points.
Borrow to invest with Leveraged.
Discounted rate and choice of term
Take advantage of discounted interest rates for fixed rate loans. You can choose a fixed term up to 5 years with up to 12 months of fixed interest paid in advance.*
Tax effective
Interest paid in advance by the end of this financial year for up to 12 months, may be tax deductible this financial year.**
A wide range of Acceptable Investments
Our diverse and frequently reviewed investment lists, including securities, platforms and managed funds.
Earn Qantas Points
Earn 20,000 Qantas Points pro-rated for every $100,000 of the loan you fix and prepay the interest on, for a 12-month term on or before 30 June 2026.^
If approved for a margin loan, submit your application to fix and prepay your interest in advance by 30 June 2026, and provide your correct and current Qantas Frequent Flyer details at the time of the application.
A joining fee usually applies, however, Leveraged has arranged for this to be waived for new customers who join Qantas Frequent Flyer.
Eligibility, terms and conditions apply:
Fix and Prepay Terms and Conditions
Fix and Prepay Qantas Points Offer Terms and Conditions
What timeline should I follow to fix and prepay interest?
Application to open a new margin loan facility (if you are a new applicant)
To open a new margin loan facility in time to Fix and Prepay, we need to receive your margin loan application before Sunday 21 June 2026.
Applications are subject to our approval and lending criteria applies.
Request to fix and prepay interest
If applying online or by phone, fix and prepay by 5pm (AEST) Tuesday 30 June 2026.
If applying by email, fix and prepay by 1pm (AEST) Tuesday 30 June 2026, a form is available upon request.
We must receive your request by no later than these times.
Changes to nominated bank account#
Changes to your nominated bank account details for direct debiting must be received by Monday 22 June 2026, or 2 days prior to your nominated direct debit date, whichever date comes first.
Direct Debit arrangements#
If your fixed rate loan starts on a Business day, then the nomination for interest to be prepaid via direct debit arrangements must be received prior to 1.00pm on the start date of your fixed rate loan. If your fixed rate loan starts on a non-Business day, then the nomination for interest to be prepaid via direct debit arrangements must be received prior to 1.00pm on the Friday before the start date of your fixed rate loan.
Nominations that are received after the above times will be processed on the next Business day. This will result in a variable interest charge on your loan account until the direct debit is processed.
The 2026 prepaid fixed rates will be available from 1 June.
Fix and Prepay Qantas Points Offer
Leveraged is offering all Borrowers who are Qantas Frequent Flyer members the opportunity to earn Qantas Points this Fix and Prepay campaign when they fix their loan and prepay the interest for up to 12 months.
To be eligible for the offer, applications must be received by 30 June 2026. If you are a new applicant, you must submit your application by 21 June 2026. For existing applicants, Leveraged recommends submitting your application before 1.00pm AEST on 30 June 2026 to allow sufficient time for your request to be processed before 5.00pm AEST on 30 June 2026. Your fixed rate loan can start between 1st June to 1st July 2026.
Eligible products include all margin loans issued by Leveraged Equities.
Qantas Frequent Flyer Members can earn 20,000 Qantas Points (pro-rated) for every $100,000 of the loan amount they fix and prepay the fixed interest for on a 12-month term this financial year. Eligibility, terms and conditions apply. See the Qantas Offer Terms & Conditions.
Points will be allocated within 60 days from the end of the prepaid offer period provided correct Qantas Frequent Flyer details are received.
Only Borrowers who are a Qantas Frequent Flyer member and provide Leveraged with their correct and current Qantas Frequent Flyer details at the time of application can earn points. Points will be awarded to one Qantas Frequent Flyer member in accordance with Fix and Prepay Qantas Points Offer Terms & Conditions. See the Qantas Offer Terms & Conditions.
No, it’s a requirement that the Frequent Flyer surname, initial of first name and the membership number is an exact match to Qantas’ records. There should also be a direct match between the Qantas Member name and the margin loan Borrower name.
Yes, Borrowers can use the same Qantas Frequent Flyer number on multiple loans where they fix and prepay interest by 30 June 2026.
FAQs
A fixed and prepaid rate is a fixed rate that applies to all or part of your loan balance where the fixed interest is prepaid in advance in a lump sum at the start of the fixed term. A fixed rate does not change during the agreed fixed term. This means that while variable interest rates may increase or decrease, the fixed rate applied to your fixed rate loan will not change during the fixed term.
The minimum fixed rate loan amount is $20,000 for the Margin Loan and Investment Funds Multiplier or $5,000 for the Direct Investment Loan in multiples of $1,000 for requests above the minimum. The maximum amount you can apply for will primarily depend on your approved Credit Limit. Please ensure your Credit Limit can accommodate the fixed rate loan you intend to apply for. Applications are subject to our approval.
The start date of your fixed rate loan can be any day from 1 June 2026 to 1 July 2026, with a fixed rate period we agree to.
If you are rolling over an existing fixed rate loan, the start date will be the next day after the expiry of your current fixed rate loan unless specified otherwise.
If you do not nominate a start date, we will use the date after the expiry of your current fixed rate loan or 30 June 2026 as the start date.
You can choose a fixed term of up to 5 years, with up to 12 months fixed interest paid in advance. As an example, if you apply to start a 1-year fixed rate loan on 24 June 2026 the fixed rate loan will expire on 23 June 2027.
Fix and prepay interest rates are published on our website in June 2026 and are subject to change at any time until your Fix and Prepay Interest request is accepted by us.
Interest is charged on the start date of the fixed rate loan except for fixed rate loans commencing on 1 July 2026 where interest will be charged on 30 June 2026.
You can only pay up to 12 months of interest at the start of the fixed rate loan. This is called prepaying interest.
You can choose to make a cleared payment to cover the interest charged, however the funds must be available in your margin loan account before the start date of your fixed rate loan.
Log into Leveraged Online and select Fix and Prepay from the navigation. Alternatively, you can call our team between 8:30am - 5:30pm AEST, Mon-Fri on 1300 307 807 and fix over the phone.
Call 1300 307 807 between 8:30am - 5:30pm AEST, Mon-Fri and one of our friendly team members will assist with your margin loan application and prepaid request. Applications for new margin loan accounts can be submitted via Leveraged Online Application Form. Refer to ‘What timeline should I follow to fix and prepay the interest?’ to check the cut-off date for new margin loan applications.
We recommend submitting your Fix and Prepay Interest request before 1.00pm AEST on 30 June 2026 to allow sufficient time for your request to be processed before 5.00pm AEST on 30 June 2026. Applications and requests are subject to our approval and lending criteria applies.
Direct debit
You can instruct us to debit your Nominated Account that has an existing direct debit arrangement with us. If you do not have an existing direct debit arrangement, please complete the direct debit sections on the Leveraged Change Bank Account Details form available at www.leveraged.com.au/support/forms or ask your financial adviser whether a direct debit arrangement may be suitable. Please ensure that you have the required cleared funds available in your Nominated Account before the start date of your fixed rate loan.
Direct credit
You may be able to use your electronic banking arrangements to transfer an interest payment to your facility. The payment should be made to the BSB and account number of your Loan Account. Please contact us on 1300 307 807 if you are unsure about these account details.
BPAY®
The Biller Code and Customer Reference are available on the Fix and Prepay Interest communication we will email to you or by calling 1300 307 807.
® Registered to BPAY Pty Ltd ABN 69 079 137 518.
Capitalise interest to your facility
This option is available to investors who have sufficient borrowing capacity and Credit Limit at the start of the fixed term. The fixed interest will be capitalised to the variable loan portion of your facility on the day before the fixed rate loan starts. Capitalising interest to your facility is subject to our approval. If capitalising interest to your facility is expected to cause a Margin Call, Margining Event or put your facility into the Buffer, then we may not accept your request for a fixed rate loan. Please ensure you have sufficient borrowing capacity to pay fixed rate loan interest.
Note: Interest paid in advance is usually not refundable.
When you begin a fixed rate loan, funds will be made available to you to invest from the start of the fixed term.
This means that at certain times during the fixed term, part, or all of the fixed rate loan may be undrawn.
If you have an established Target Facility Balance with an activated sweep function, then we can help you manage any undrawn amount of the fixed rate loan by sweeping funds between your Loan Account and the Acceptable Linked Investment Account that forms part of your Secured Portfolio.
If your loan amount is less than your Target Facility Balance, we will arrange to automatically sweep any excess funds to the Linked Investment Account established on your behalf to earn credit interest on the excess funds. Where the total amount borrowed in your Loan Account is greater than the Target Facility Balance, we will automatically sweep the funds from the Linked Investment Account into your Loan Account to reduce the loan to the Target Facility Balance (or as close as possible subject to funds availability in your Linked Investment Account).
The aim is to maintain the total amount borrowed around your nominated Target Facility Balance.
Target Facility Balance is available on Margin Loans and Direct Investment Loans. It is not available on Investments Funds Multiplier Loans.
If you have a Target Facility Balance, please discuss your preferred approach with us before you fix and prepay.
To check whether your Loan Account is set-up for Target Facility Balance, please call us on 1300 307 807.
Once a fixed rate loan has commenced, the Lender’s agreement is required to change its terms or cancel it. Break costs may be payable and interest is usually not refundable if a fixed rate loan is cancelled or if its terms change during the fixed term.
Your fixed rate loan will revert to a variable rate unless you request for a new fixed rate loan.
Already an Ord Minnett customer and ready to fix and prepay your interest?
Apply to fix and prepay your interest using Leveraged Online. Alternatively, contact our team between 8:30am - 5:30pm AEST, Mon-Fri on 02 8282 8251.
Things you should know
^The Fix and Prepay Qantas Points Offer (F&P Offer) allows eligible Borrowers to earn Qantas Frequent Flyer Points (Qantas Points) by fixing the interest rate and prepaying the fixed interest charge under an eligible margin loan product, when they successfully apply during the Offer Period. The F&P Offer Period is between 1 June 2026 and 30 June 2026 (Offer Period). Borrowers eligible for the F&P Offer will earn points on a pro-rata basis of 20,000 Qantas Points per $100,000 Total Amount Owing on which interest is paid in advance under a 12-month term. F&P Offer not available in conjunction with other offers including Rewards Plus. To be eligible, the Borrower must be a member of the Qantas Frequent Flyer program at the time of the application. The awarding of Qantas Points under the F&P Offer is restricted to one Qantas Frequent Flyer member who is an individual (natural person) Borrower, or in the instance of joint Borrowers, only one individual, or in the instance of trustees only one individual trustee or director in case of a corporate trustee; or in the instance of a company Borrower, any one director under each eligible product. The Borrower will not be eligible for the F&P Offer if no or incorrect Qantas Frequent Flyer details are provided at application. For further details, please refer to the Fix and Prepay Qantas Points Offer Terms and Conditions.
*The maximum fix and prepay term to earn Qantas Points is 12 months. Interest charges for fixed rate loans with terms greater than 12 months must be paid annually in advance.
**We recommend that you obtain your own independent tax advice on the risks and suitability of fixing the interest rate and prepaying the fixed interest cost, and to determine whether your interest costs will in fact be fully deductible in the current financial year in your particular circumstance.
#Only applicable if prepaying interest by direct debit via a nominated bank account.
Gearing involves risk. It can magnify your returns; however, it may also magnify your losses.
The Ord Minnett Margin Loan is distributed by Ord Minnett Limited ABN 86 002 733 048 and its subsidiaries (together "Ord Minnett"). Leveraged Equities Limited ABN 26 051 629 282 AFSL 360118 is the Lender (either in its own capacity or as trustee of any trust) for the Ord Minnett Margin Loan, and a subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Ord Minnett does not lend money under the Ord Minnett Margin Loan. Any obligation of the Lender, Sponsor, Nominee or Ord Minnett Limited or money held in a Loan Account are not deposits with or liabilities of Bendigo and Adelaide Bank Limited.
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. 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 138 028, visit www.leveraged.com.au/ords/ or contact your financial adviser. Not available for a self-managed superannuation fund.
