Experience the additional benefits of being a wholesale customer with Leveraged (eligibility criteria applies)
Features of Leveraged margin loans
Connect with most major online platforms and selected brokers.
Diverse and frequently reviewed acceptable investment lists.
Offering a range of interest rate options, terms and payments methods.
Are you a wholesale customer?
Discover the difference.
Our wholesale offering gives you all the features of our products but has added benefits including a faster application process.
You can apply as a wholesale customer across all of our products. Check to see if your eligible.
Benefits of being a wholesale customer
Streamlined application process
Apply without the need to provide full financials.1
Attractive interest rates
Call or email our Business Development Managers for more information on a tailored rate
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.2
Investment choice
Borrow against a wide range of acceptable investments, including domestic and international shares,3 ETFs and managed funds.
Specialist solutions
A choice of multiple margin loan solutions, additional features, and 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.
Risks to consider when using a margin loan
Gearing involves risk. It can magnify your returns; however, it may also magnify your losses. 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
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.
Interest rate changes. An increase in the variable interest rate will increase your borrowing costs and may affect your overall return.
Eligibility Criteria and considerations for wholesale applicants
To qualify and be recognised as a wholesale investor, you need to meet one of the following criteria under the Corporations Act 2001 (Corporations Act).
Income Test: Earned a gross income of $250,000 AUD p.a. or more over the last two financial years; or
Asset Test: You have net assets exceeding $2,500,000 AUD or more.
You will need to provide an Accountant’s Declaration Issued under Chapter 7 of the Corporations Act 2001. Leveraged form available here.
Wholesale customers are required to provide a new valid certificate every two years. If a customer is no longer wholesale they may be required to undergo a full responsible lending assessment to determine suitability of their credit limit and ability to suitability operate a margin loan product as a retail customer.
Consumer Protection
A customer classified as wholesale will generally have less consumer protections than a retail customer.
Wholesale criteria may be changed in the future by ASIC or the lenders policies change in regards to accepting applications and criteria for wholesale applicants.
Need more information
Thinking about applying as a wholesale customer? Call our Business Development Team who can help you get started today.
Things you should know
1 Criteria required to be provided by a customer for a loan application is at full discretion of the lender at all times.
2 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.
3 International shares must be on an approved platform and are not available under the Investment Funds Multiplier. International shares and Managed Funds are not available on the Direct Investment Loan.
Gearing involves risk. It can magnify your returns; however, it may also magnify your losses.
The Leveraged Equities Margin 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). 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 a self-managed superannuation fund
