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Investment Funds Multiplier

A margin loan exclusive to Leveraged. 

A margin loan with a repayment plan

With the Investment Funds Multiplier (IFM) you can borrow to invest with the added benefit of managing your loan through a repayment plan. For example, in the event of a significant and sustained fall in portfolio value, your IFM facility may be subject to a repayment plan, and you could progressively reduce the loan by repaying 1% of the total amount owing each month - until the gearing level is restored to an acceptable level. This provides you with greater certainty about the amount you have to pay to reduce the loan borrowed over time, rather than receiving a single margin call.

Features of our investment funds multiplier

  • Connect with most major online platforms and selected brokers
  • A diverse and frequently reviewed acceptable investment list
  • Manage your loan through a repayment plan

Fix and Prepay for 2024

Enquire now

Fix. Prepay. Holiday.

If you have or are considering a margin loan with Leveraged, now is the perfect time to consider locking in a discounted interest rate and prepaying the fixed interest to earn Qantas Points.


Increase your investment capacity

Leverage an existing portfolio or create a new investment portfolio to boost your investment capacity and diversify your assets.


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.


A number of ways to pay interest and operate your Margin Loan facility with your other investment accounts and services.

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.

Repayment plan

Market and other events may occur that result in your loan becoming due for repayment in a short period. IFM has a repayment plan which aims to reduce the amount borrowed to an acceptable level over time rather than a single margin call.


Changes in portfolio values

It is possible that the performance of your investments may change, which will result in you earning a lower return or incurring a larger loss than if you had not borrowed to invest. A fall in the value of your investments may also trigger margin calls.

Interest rate changes

An increase in the interest rate will also increase your borrowing costs, where a variable rate of interest applies.

Events resulting in your loan becoming due

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.

Investment income risk

Interest and other charges can become due for payment before, or to be larger than, any distributions you may receive 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 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

Instalment Plus

Instalment Plus (IP) is a feature that enables you to combine a regular investment plan with your IFM to progressively build an investment portfolio. You need just $1,000 as your own initial contribution with a minimum loan drawdown of $2,000 to get started. This sets you up with a $3,000 investment portfolio. You can then contribute as little as $250 per month and borrow $250 per month. This means you add a minimum $500 per month to your investment portfolio.

It could be considered for your investment strategy if you:

  • have a medium to long-term financial goal and believe regular investments in unlisted managed funds (made up of your own savings as well as drawdowns on the loan) may help you reach it
  • would like to progressively build on your existing managed funds
  • plan to regularly invest some of your savings or income


Rewards Plus

Reward Plus is an additional feature that enables you to earn Qantas Points with your IFM, which contributes to keeping your Qantas Frequent Flyer^ account active and helps you enjoy the benefits of the membership sooner. Best of all, Rewards Plus offers you uncapped points potential.

You earn Qantas Points based on your loan balance and the points will be awarded monthly. The time points are awarded will depend on your selected interest payment schedule. If you pay your 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 in the month after you pay interest. If your Reward Plus request is accepted, a higher variable rate may apply to your IFM facility.

The following table shows you how many Qantas points you could potentially earn using Rewards Plus.

Loan balance Qantas points
Less than $149,999 Up to 30,000 points per $100,000 p.a. pro-rata
$150,000 to $499,999 Up to 40,000 points per $100,000 p.a. pro-rata
$500,000 to $999,999 Up to 50,000 points per $100,000 p.a. pro-rata
$1,000,000 or greater Up to 60,000 points per $100,000 p.a. pro-rata


We can help you get started today

Get in touch


1300 307 807
+61 2 8282 8282 (If calling from overseas)

8:30am - 5:30pm AEST/AEDT
Monday - Friday


Send us an online enquiry or email


GPO Box 5388,
Sydney, NSW, 2001

Things you should know

^ You must be a Qantas Frequent Flyer member to earn Qantas points. A joining fee may apply. A higher variable rate may apply to your margin loan facility. For more information, refer to the 'Rewards Plus' section of the Leveraged Terms & Conditions.

Gearing involves risk. It can magnify your returns; however, it may also magnify your losses.

The Leveraged Equities Investment Funds Multiplier 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). 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. We recommend that you obtain your own independent professional 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. 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 suitable for a self-managed superannuation fund

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Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Leveraged Equities Limited ABN 26 051 629 282 AFSL 360118
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