Margin Lending

A margin loan is a facility that allows you to borrow to invest in financial products.

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Borrow to invest

You can use a gearing strategy for a variety of reasons, including increasing your exposure to the market and helping to grow your investment portfolio. You can use existing investments as security or create a new portfolio. It can magnify your returns; however, it may also magnify your losses.
A margin loan can be used as a flexible loan facility because it does not require scheduled repayments, allows access to funds for investment purposes as required, and there is no maturity date.

The margin loan products referenced on this page are issued by our wholly owned subsidiary Leveraged Equities Limited.

Why a Leveraged margin loan?

Connectivity

Connect with most major online platforms and selected brokers.

Acceptable investment list

A diverse and frequently reviewed investment list, including securities, platforms and managed funds^#.

Specialist solutions

A choice of multiple margin loan solutions, additional features, and Qantas Points.

Range of interest rates

Offering a range of interest rate options, terms and payments methods. Refer to leveraged.com.au/rates for further information.

Dedicated customer service

Dedicated Customer Service Team to assist you with any queries.

Online application

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Graph showing how quickly you can achieve your financial goals using a margin loan versus other investment options when investing in the stock market.

How does borrowing to invest in shares compare?

See how quickly you can achieve your financial goals in a given timeframe using a margin loan versus different investment options with our Financial Goals Simulator.

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Want to learn more?

Learn about gearing and how you may be able to build wealth with these handy videos.

Gearing explained

Gearing into equities may sound complicated, but it's actually a very common way of building wealth. In simple terms, if you have money that you want to invest in shares or managed funds, gearing into equities is where you can borrow more money using a margin loan, allowing you to buy more shares. Why do this? Well, the more shares you have, the greater your return will be if the shares increase in value.

For example, Dave has $15,000 that he wants to invest in some shares. After speaking with his relationship manager at Leveraged, Dave discovered that based on the shares he wants to buy, he can borrow up to $35,000 through a margin loan and gear his investment. Dave decides to borrow only $25,000 and buys $40,000 worth of shares. Six months later, his investment has gone up by 4% and paid a 2% dividend. In this scenario. Dave has earned $2,400. But what if he decided not to gear and just invest his own money? Dave would still have made $900, but this is only around 40% of what he could have made in the first scenario. Of course, there is interest to be considered, but overall, Dave is in a better position by choosing to gear in this example.

Gearing into equities can be a great way to build wealth for medium to long term investments. But remember, just as gearing can magnify your returns, it can also magnify your losses. If you have questions or would like to learn more about gearing into equities, why not speak with us at Leveraged? They can take you through your options and point you in the right direction to securing your financial future and achieving your goals.

Leveraged – The Power of Regular Investing

Meet Jess. Like most of us, Jess has big life goals, like buying a house, furthering her education, travel, and retiring comfortably. But to achieve all this, it's going to cost Jess money, money she currently doesn't have and money that may take a long time to save.

Luckily, Jess has a plan to make sure she has the money she needs at the time she needs it. She decides to combine two powerful investment strategies, the discipline of a regular savings plan plus regular monthly borrowed funds to help her build wealth for a future.

Jess lands her first job and starts thinking about buying a house, but she knows it's going to be tough to say for a deposit for her first home through cash savings alone. So Jess decides to borrow money to invest in shares and managed funds.

As Jess contributes money to invest each month it is matched with loan capital, accelerating her progress towards her goal. This means that she could have her new house deposit more quickly than if she'd saved through cash alone. Jess sells some of her shares and takes out a mortgage to buy the house. Way to go, Jess.

Soon after Jess meets Michael and they have two children. As Jess has continued to regularly invest, she's been able to pay for lots of things that come up, like her children's education or even her own studies.

With the kids almost ready to leave home, Jess is now focused on building wealth for her retirement, as she knows how important it is to not solely rely on superannuation.

Jess continues to invest. When the time is right, she can then sell some of her investments to pay off her mortgage. In this instance, Jess will still have investments that can continue to grow outside of superannuation, seeing her through a comfortable retirement.

This investment strategy help Jess through three important stages of her financial life. Borrowing to invest can be a great way to build a wealth for medium to long term investments, but remember there are risks involved. And just as it can magnify your returns, it can also magnify your losses.

To see if this strategy is right for you, talk to your financial advisor or contact Leveraged, we'll point you in the right direction.

Connectivity with Bendigo Invest Direct (BID)

A margin loan with Leveraged is fully integrated^{^} with our easy-to-use, and affordable online share trading solution, Bendigo Invest Direct (BID).

With Bendigo Invest Direct's research and sophisticated analytical tools, you can identify opportunities and execute trades with confidence and speed.

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Can we help you?

Call Leveraged on 1300 307 807

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Things you should know

^{^}Executing Exchange Traded Options (ETOs) trades using a margin loan, is only available via phone.

^#Direct Investment Loan excludes managed funds as acceptable investments.

^*The Financial Goals Simulator chart image is for illustrative purposes only and does not indicate any view of, or expectation about, any Leveraged margin loan product or any investment or transaction. It does not cover all the possible outcomes and is not intended as a recommendation, It is simplified and may not reflect actual outcomes, market prices or movements or taxation treatment.

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

The Leveraged Equities Margin Loan, Investment Funds Multiplier and Direct Investment Loan are issued by Leveraged Equities Limited (ABN 26 051 629 282, AFSL 360118) ("Lender") 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. 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 leveraged.com.au or contact your financial adviser. Not available for a self-managed superannuation fund.

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) (“Bendigo"). 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.

Information is general advice only and doesn't take into account your personal objectives, financial situation, or needs. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.