Important notices

The Terms and Conditions have been varied for the following products offered by Leveraged Equities Limited (ABN 26 051 629 282, AFSL 360118) as Lender:

• Leveraged Equities Margin Loan;
• Leveraged Equities Investment Funds Multiplier;
• Leveraged Equities Direct Investment Loan; 
• Ord Minnett Margin Loan.

The variation in Terms and Conditions is in response to various changes, and will come into effect on 8 August 2025. You can download a copy of the Variation of Terms and Conditions at www.leveraged.com.au/RevisedAgreement/Aug2025.

Alternatively please contact our team on 1300 307 807 if you would like a copy sent to you.

Variable interest rates will be decreasing effective 6 June 2025.

Please note the applicable variable rate reduction to the following products:

Margin Loan will decrease by 0.25% per annum
Investment Funds Multiplier will decrease by 0.25% per annum
Direct Investment Loan will decrease by 0.25% per annum

The Interest Rate Schedule will be updated on 6 June 2025 to reflect these changes.
If you have any question's please contact us on 1300 307 807 or email customerservice@leveraged.com.au

We have identified a system-related issue affecting account statements provided to some Leveraged Margin Loan customers between 2011 and February 2024. This does not affect customers whose statement period is monthly.

As a result of a technological error, some customers may have received account statements which incorrectly stated the then-current net interest rate that applied to their Leveraged Margin Loan on the closing date of the statement period.

In particular, the impacted account statements may have stated that the then-current net interest rate that applied to the account at the start of the statement period instead of the net interest rate that applied on the closing date.

This issue only impacted the interest rate in the Loan Summary section of the account statement. All other detail on the statement (such as the Variable Loan Interest Rate History, headline rates, discounts and tiering) was correct. There was no impact on the calculation or charging of interest to the account.

We rectified this issue in our system in February 2024.

If you have been affected by this issue, you do not need to do anything. However, if you would like more information or if you have any questions about this notice, please contact us on 1300 307 807 or email customerservice@leveraged.com.au

Variable interest rates will be decreasing effective March 4, 2025.

Please note the applicable variable rate reduction to the following products:

Margin Loan will decrease by 0.25% per annum
Investment Funds Multiplier will decrease by 0.25% per annum
Direct Investment Loan will decrease by 0.25% per annum

The Interest Rate Schedule will be updated on 4 March 2025 to reflect these changes.

If you have any question's please contact us on 1300 307 807 or email customerservice@leveraged.com.au

The trading fees table on the Direct Investment Loan Fee Schedule will be updated as follows.

The fee schedule will be updated on 20 January 2025.

The Customer Service Team will be here to assist you over the upcoming holiday period. Due to reduced working hours, response times may be longer than usual during this time.

Key Holidays and Times of Operation:

Tuesday 24 December 2024              8.30am to 4.00pm AEDT

Wednesday 25 December 2024       Closed for Christmas Day

Thursday 26 December 2024            Closed for Boxing Day

Friday 27 December 2024                 8.30am to 5.30pm AEDT

Monday 30 December 2024              8.30am to 5.30pm AEDT

Tuesday 31 December 2024              8.30am to 4.00pm AEDT

Wednesday 01 January 2025             Closed for New Years Day

Operating hours resume from Thursday 02 January 2025 at 8.30am to 5.30pm AEDT Monday to Friday. 

You can call us on 1300 307 807 (or +61 2 8282 8282 for international callers), or email us at customerservice@leveraged.com.au

Remember, the Online Service will still be available 24/7 throughout the holiday period at www.leveragedonline.com.au

From all of us here at Leveraged, we wish you a happy holiday period and look forward to continuing our relationship with you in 2025.

The Customer Service Team will be here to assist you over the upcoming holiday period. Due to reduced working hours, response times may be longer than usual during this time.

Key Holidays and Times of Operation:

Monday 25 December 2023         Closed

Tuesday 26 December 2023        Closed

Wednesday 27 December 2023       8.30am to 5.30pm AEDT

Thursday 28 December 2023          8.30am to 5.30pm AEDT

Friday 29 December 2023              8.30am to 5.30pm AEDT

Monday 01 January 2024             Closed

Operating hours resume from Tuesday 02 January 2024 at 8.30am-5.30pm AEDT Monday to Friday. 

You can call us on 1300 307 807 (or +61 2 8282 8282 for international callers), or email us at customerservice@leveraged.com.au

Remember, the Online Service will still be available 24/7 throughout the holiday period at www.leveragedonline.com.au

On behalf of the team at Leveraged, we would like to wish all our customers, partners, and their loved ones a joyful holiday period.

Important Notice to Borrowers and Guarantors

Thursday, 5 October 2023

The Terms and Conditions have been varied for the following products and associated additional features (as applicable) offered by Leveraged Equities Limited (ABN 26 051 629 282, AFSL 360118) as Lender:

Loans:

• Leveraged Equities Margin Loan;
• Leveraged Equities Investment Funds Multiplier;
• Leveraged Equities Direct Investment Loan;
• Leveraged Equities Share Investment Loan; and
• Ord Minnett Margin Loan.

Additional Features:

• Short Plus Agreement; and
• Exchange Options Plus Agreement.

The variation of these Terms and Conditions is in response to legislative and other changes, and will come into effect on 9 November 2023. As a Borrower or Guarantor, you can download a copy of the varied Terms and Conditions for your product or associated additional features at leveraged.com.au/RevisedAgreement/Nov2023.

Alternatively please contact the Lender on 1300 307 807 if you would like a copy sent to you.

Our support team will be here to assist you over the festive period. Due to reduced working hours, the response times may be longer than usual.

Please note the following key dates and times of operation: 

Friday 24 December - Open until 5.30pm AEDT

Monday 26 December - Closed

Tuesday 27 December - Closed

Friday 31 December - Open until 5.30pm AEDT

Monday 2 January - Closed

Otherwise, our operating hours remain the same at 8.30am-5.30pm Monday to Friday.  You can call us on 1300 307 807, or email customerservice@leveraged.com.au. 

On behalf of the team at Leveraged, we would like to wish all of our customers, partners, and their loved ones a joyful festive period after several long years of lockdowns, restrictions, and reduced travel.

Leveraged Equities is pleased to announce it has agreed to acquire the ANZ Investment Lending portfolio from Australia & New Zealand Banking Group (“ANZ”).  The market announcement and associated media release can be found on the ASX website on the page of our parent company, Bendigo and Adelaide Bank (ASX:BEN).

There will be no change to the high level of service provided by Leveraged to its customers and partners, and we look forward to welcoming ANZ Investment Loan portfolio customers to our business.

We are committed to continuing to provide you with the same great service that has seen us awarded the Money Magazine Margin Lender of the year for the last three years running, as well as the Canstar Outstanding Value award for our Direct Investment Loan product.

For existing Leveraged customers, there will be no change to your relationship with Leveraged following the acquisition. If you have any questions or concerns, please view the Frequently Asked Question list below, or reach out to the Leveraged customer service team.

For ANZ Investment Loan customers, we will ensure you will be kept informed over the coming months, and we will be working closely with ANZ to ensure a smooth transition. If you have a question about your ANZ Margin Loan facility or about the transition, please contact ANZ Investment Lending Contact Centre on 1800 639 330 Monday to Friday 8:00am to 6:00pm AEST.

Below are some Frequently Asked Questions to assist Leveraged customers and partners with any queries.  Alternatively, you can contact the Leveraged team on 1300 307 807 Monday – Friday (8.30am – 5.30pm AEST/AEDT) or email customerservice@leveraged.com.au.

Customer Frequently Asked Questions

Adviser & Partner Frequently Asked Questions

Our support team will be here to assist you over the festive period. Due to reduced working hours, the response times may be longer than usual.

Please note the following key dates and times of operation: 

Friday 24 December - Open until 2.30pm AEDT

Monday 27 December - Closed

Tuesday 28 December - Closed

Friday 31 December - Open until 2.30pm AEDT

Monday 3 January - Closed

If you have any questions, please contact our customer service team on 1300 307 807 or email customerservice@leveraged.com.au

Thank you and have a wonderful holiday season.

The Terms and Conditions have been varied for the following Margin Loan, Investment Funds Multiplier, Direct Investment Loan and Exchange Options Plus Agreements issued by Leveraged Equities Limited (ABN 26 051 629 282, AFSL 360118) as Lender:

• Leveraged Equities Margin Loan;
• Leveraged Equities Investment Funds Multiplier;
• Leveraged Equities Direct Investment Loan; and
• Ord Minnett Margin Loan.

The variation in terms and conditions is in response to various changes which come into effect from 6 October 2021. As a Borrower or Guarantor, you can download a copy of your relevant product’s varied Terms and Conditions at www.leveraged.com.au/RevisedAgreement/Oct2021.

Alternatively please contact the Lender on 1300 307 807 if you would like a copy sent to you.

Mon, 19 July 2021

Dear Leveraged customers

I wanted to update you on how Leveraged is committed to maintaining the high level of service you rely on during the continued uncertainty resulting from the Covid-19 pandemic.

We continue to ensure we are operating in accordance with all COVID-19 government health and safety advice, including strictly observing and respecting guidelines around social distancing. We also have limited staff presence in our offices with most staff now working remotely.

With COVID-19 impacting some Australia Post deliveries, and many of our staff working offsite, you can avoid delays by transferring funds to your margin loan via EFT or BPAY rather than by posting cheques in the mail.

You can also email scanned documents that are required to be signed and other instructions directly to your Relationship Manager or to customerservice@leveraged.com.au.

In addition, our online portal Leverage Online is available 24/7 for you to monitor and manage your account. You can update your address, banking and advisor details immediately online.

I ask for your understanding as we work through any potential delays. Please be assured we remain dedicated to serving and supporting you throughout this period.

If you have any questions, please don’t hesitate to contact us on 1300 307 807.

Thank you for your continued support.

Sincerely

Lily Elliott
Head of Leveraged

The variable interest rate on the Direct Investment loan will decrease by 0.25% on Tuesday, 5 May 2020.

The Interest Rate Schedule will be updated on Tuesday, 5 May 2020 to reflect the change.

If you have any questions  please contact your Relationship Manager on 1300 307 807.

Dear Leveraged customers

I wanted to update you on how Leveraged is committed to maintaining the high level of service you rely on.

We continue to ensure we are operating in accordance with all COVID-19 government health and safety advice, including strictly observing and respecting guidelines around social distancing. We also have limited staff presence in our offices with most staff now working remotely.

With COVID-19 impacting some Australia Post deliveries, and many of our staff working offsite, you can avoid delays by transferring funds to your margin loan via EFT or BPAY rather than by posting cheques in the mail.

You can also email scanned documents that are required to be signed and other instructions directly to your Relationship Manager or to info@leveraged.com.au.

In addition, our online portal Leverage Online is available 24/7 for you to monitor and manage your account. You can update your address, banking and advisor details immediately online.

I ask for your understanding as we work through any potential delays. Please be assured we remain dedicated to serving and supporting you throughout this unprecedented period.

If you have any questions please don’t hesitate to contact us on 1300 307 807.

Thank you for your continued support.

Sincerely

Lily Elliott
Head of Leveraged

Good afternoon

COVID-19 (coronavirus) is having a significant impact on the lives of all Australians. With borders closing around the world, public events cancelled, and millions of people forced to isolate at home, the Coronavirus panic is causing a level of market volatility seldom seen before.

I wanted to take this opportunity to reach out personally and update you on what we at Leveraged are doing to continue to serve and support you, our clients and partners during this unprecedented time.

• We have undertaken measures to ensure our team is well resourced and equipped with all the necessary tools and technologies to service your needs. Due to the nature of COVID-19, we expect these measures to be in place for several weeks
• Our online service, Leverage online is robust with proven resilience during periods of high-volume demand, so that clients have the ability to access and monitor their portfolio positions as needed
• The Leveraged operations and relationship management teams have tested plans in place to ensure we can continue to service your requests both by phone and email. In periods of high market activity, our teams are doing everything they can to address and respond to your requests as soon as possible
• We are working together as a team, communicating openly, checking in with each other, and ensuring everyone is up to date.

There is a lot of uncertainty ahead, however I remain optimistic. Please know, just as the experts do their best to minimise the impact of the virus on our lives, we will continue to do our best to serve and support you through this challenging time.

Sincerely

Lily Elliott
Head of Leveraged

Variable interest rates will be decreasing on Friday, 27 March 2020.

Please note the applicable rate reduction to the following facilities:

Margin Loan will decrease by 0.15% per annum
Investment Funds Multiplier will decrease by 0.15% per annum
Direct Investment Loan will decrease by 0.25% per annum

The Interest Rate Schedule will be updated on Friday, 27 March 2020 to reflect these changes.

If you have any questions  please contact your Relationship Manager on 1300 307 807.

Good afternoon

Over the last week, I have received a number of enquires and would like to take this opportunity to reach out during this time of heightened market activity.

You may notice some changes to your usual Leveraged operating service standards and experience, which are summarised below. This is to reassure you of the robust operating model and our commitment to you.

Margin Call Process

Leveraged operates under a strict arrangement and protocols in issuing margin calls. We have a legal obligation to issue a margin call to the borrower directly in a manner agreed with them which covers either one phone call, email or SMS.

Unfortunately due to heightened activity we have found it necessary to issue more than one margin call to a borrower at any one time.

Our margin call process is designed to ensure a robust credit, operational, and standard of service excellence.

Client and Adviser Services

Our online service Leverage Online provides clients and advisers an update on facility positions including those close to or in a margin call. Please ensure that you continue to monitor facility positions through the online service.

Due to the current volumes you may experience some delay in our responses, please consider emailing your Relationship Manager as an alternative to calling and include where possible the following information:

• facility number;
• Reference to the specific margin call issued;
• Intended repayment amount and method;
• Applicable receipt or detailed information; and
• Anticipated actions should market volatility persist.

Leveraged as a Lender

A subsidiary of Bendigo and Adelaide Bank Limited, Leveraged Equities Limited is one of Australia’s longest operating margin lenders, since 1991. We operate under an Australian Financial Service Licence and only issue Standard Margin Lending Facilities.

Clients retain beneficial ownership of their shares and other financial products pledged as security for their margin loans. Under no circumstances will Leveraged or any other entity operating for and behalf of Leveraged will permit any securities lending arrangements involving clients shares and other financial products they have pledged for their margin loans.

We understand there may be some impact to the way you currently engage with Leveraged. We thank you for your continued support during this time and we will continue to update you with any further changes.

Sincerely

Lily Elliott
Head of Leveraged

If you have any questions  please contact your Relationship Manager on 1300 307 807.

Our team will be here to assist you over the festive period.

Please note the following key dates and times of operation: 

Tuesday 24 December - Open until 3.00pm AEDT

Wednesday 25 December - Closed

Thursday 26 December - Closed

Tuesday 31 December - Open until 3.00pm AEDT

Wednesday 1 January - Closed

If you have any questions  please contact your Relationship Manager on 1300 307 807.

Variable interest rates will be decreasing by 0.25% on Friday, 1 November 2019.

This change will be applicable for the following facilities:

• Margin Loan
• Investment Funds Multiplier
• Direct Investment Loan

The Interest Rate Schedule will be updated on Friday, 1 November 2019 to reflect the change.

If you have any questions relating to the rate change, please contact your Relationship Manager on 1300 307 807.

Variable interest rates will be decreasing on Monday, 29 July 2019.

Please note the applicable rate reduction to the following facilities:

Margin Loan will decrease by 0.20% per annum
Investment Funds Multiplier will decrease by 0.20% per annum
Direct Investment Loan will decrease by 0.37% per annum

The Interest Rate Schedule will be updated on Monday, 29 July 2019 to reflect these changes.

If you have any questions relating to the rate change, please contact your Relationship Manager on 1300 307 807.

Variable interest rates will be decreasing by 0.14% on Friday, 28 June 2019.

This change will be applicable for the following facilities:

• Margin Loan
• Investment Funds Multiplier
• Direct Investment Loan

The Interest Rate Schedule will be updated on Friday, 28 June 2019 to reflect the change.

If you have any questions relating to the rate change, please contact your Relationship Manager on 1300 307 807.

Variable interest rates will be increasing by 0.14% on Friday, 10 August 2018.

This change will be applicable for the following facilities:

• Margin Loan
• Investment Funds Multiplier

There will be no change to the interest rate for the Direct Investment Loan.

The Interest Rate Schedule will be varied on 10 August 2018 to reflect the change.

If you have any questions relating to the rate change, please contact your Relationship Manager on 1300 307 807.

Access to the LEWEB online service will cease as at 4pm AEST on Thursday, 22 March 2018.

To monitor your loan account after this date, please login to LeverageOnline using your Facility Access Code (FAC) and Password.

For first time users, a guide has been created to help navigate LeverageOnline. You can access a pdf of the guide here.

If you do not have a FAC or have difficulties logging into LeverageOnline, please contact your Relationship Manager on 1300 307 807.

Leveraged will never request your personal details via email and you should not respond to any such emails.

The Fee Schedule for the Margin Loan, Investment Funds Multiplier and Direct Investment Loan will be varied to introduce three new fees.

These are:

1. Off Market Transfer Fee - $25 per security
2. Late Settlement of Buy Contract Note - $30 per contract note; and
3. Late Settlement of Sale Contract Note - $30 per contract note.

The Fee Schedule will be varied on 1 January 2018 to introduce these fees.

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