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Direct Investment Loan

Discover our 5 star award winning* margin loan.

The essentials with outstanding value

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.

Direct Investment Loan fact sheet

Add-on features to the Direct Investment Loan

 

 
Rewards Plus

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.

You earn Qantas Points based on your loan balance and the package level of your choice. The time points are awarded will depend on your selected interest payment schedule. If you pay 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 during the month after you pay interest.

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

Rewards Plus package Qantas points
Standard 30,000 points per $100,000 p.a. pro-rata
Gold 45,000 points per $100,000 p.a. pro-rata
Platinum 60,000 points per $100,000 p.a. pro-rata

Rewards Plus fact sheet

 

Benefits and risks of the Direct Investment Loan

Maximise investment opportunity 

Leverage an existing portfolio or create a new investment portfolio to boost your investment exposure, build wealth and meet your financial goals. 

Diversification 

Access more funds to diversify your investments into different asset classes, industries and companies. 

Liquidity 

Additional liquidity without selling assets so you can take advantage of investment opportunities when they arise.   

Flexibility 

Choose the degree of gearing that best meets your investment objectives and risk appetite. 

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. 

Changes in portfolio values and interest rates 

It is possible 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 due 

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 and/or immediately. 

Mismatch of cash flows and restrictions on the ability to deal in investments 

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 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 Guide, as well as obtain the appropriate financial advice before investing. 

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,
Monday - Friday

Online

Send us an online enquiry or email info@leveraged.com.au

Mail

GPO Box 5388,
Sydney, NSW, 2001

*2019 Canstar 5-star rating Margin Loan for outstanding value

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Leveraged Equities Limited ABN 26 051 629 282 AFSL 360118
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