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.
Add-on features to the Direct Investment Loan
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|
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.
Access more funds to diversify your investments into different asset classes, industries and companies.
Additional liquidity without selling assets so you can take advantage of investment opportunities when they arise.
Choose the degree of gearing that best meets your investment objectives and risk appetite.
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.
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.
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*2020 Canstar 5-star rating Margin Loan for outstanding value