Specifically designed for the self-directed investor. Discover our lowest variable rate margin loan.
Features of the Direct Investment Loan
- Specifically designed for the self-directed investor
- Ability to integrate with select online brokers
- Our lowest variable rate margin lending solution
Direct Investment Loan
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.
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Download fact sheet
How to apply for a new Direct Investment Loan
Start your application
As part of the application, we will complete a credit assessment to determine suitability of the product and credit limit requested. You may be asked to provide details of your assets, income, expenses, liabilities and provide relevant supporting documentation.
Application assessment
Once submitted, our team will review your application and may contact you if any additional information or documents are required.
Loan approval and activation
If your application is approved and your facility activated, your new facility will be ready for transfer or lodgement of approved securities or your HIN (Holder Identification Number), where applicable. Alternatively you can fund your facility transferring in cash.
Set up your trading account
After your loan facility is active, you will need to establish a trading account with a broker of your choice who can also settle transactions via Leveraged to your new facility. Our online broking partner, Bendigo Invest Direct is able to settle trades for the Direct Investment Loan.
Benefits
Increase your investment capacity
Borrow against 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 asset classes, 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 margin loan facility.
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.1
Investment choice
Borrow against a wide range of ASX listed securities and ETF's.
Risks
Changes in portfolio values and interest rates
If the net return on your investments is less than your borrowing costs, then you may earn a lower return or incur a larger loss than not borrowing to invest or not investing at all. A fall in the value of your investments may trigger a margin call. There may also be interest rate changes. For example, an increase in the variable interest rate will increase your borrowing costs.
Events triggering early repayment and loan repayment
Events such as 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. You are also required to repay the total loan amount when declared due regardless of any net sale proceeds.
Reliance on others and legislative changes
You are reliant on the operations, policies and procedures of the lender, nominee and sponsor, as well as any authorised person or agent you appoint for your loan account. Legislative changes may also impact your facility.
Add on features
Product documents
You can find a list of acceptable investments, forms, the PDS and product guides for the Direct Investment Loan.
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Add-on features form
Helpful links
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
GPO Box 5388,
Sydney, NSW, 2001
Things you should know
1 This information does not constitute financial or tax advice. We recommend that you obtain your own independent financial 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.
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) ("Bendigo"). The Lender and Bendigo receive remuneration on the issue of the product or service they provide. Investments in this product are not deposits with, guaranteed by, or liabilities of Bendigo nor any of its related entities. The information on this website contains general advice only and does not take into account your personal objectives, financial situation or needs. 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 available for self-managed superannuation funds.
Bendigo Invest Direct is a service provided by CMC Markets Stockbroking Limited ABN 69 081 002 851 AFSL No. 246381 (“CMC Markets Stockbroking”), a Participant of the ASX Group (Australian Securities Exchange), SSX (Sydney Stock Exchange) and Cboe (previously known as Chi-X) at the request of Bendigo and Adelaide Bank Ltd (ABN 11 068 049 178, AFSL 237879). For a copy of the terms and conditions relating to the Bendigo Invest Direct services and the Financial Services Guides for CMC Markets Stockbroking or Bendigo (or other relevant disclosure documents), contact us on 1300 788 982, visit trading.bendigoinvestdirect.com.au/forms or via email at info@bendigoinvestdirect.com.au. Neither CMC Markets Stockbroking nor Bendigo are representatives of each other. To the extent permitted by law, Bendigo will not guarantee or otherwise support CMC Markets Stockbroking’s obligations under the contracts or agreement connected with Bendigo Invest Direct.
