Gearing - borrowing to invest

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Gearing options:

Product features	Who is this for	More details
Margin Loan
Borrow to invest in a range of managed funds and ASX listed securities Use managed funds, shares or cash as security and borrow up to 75% of the value of your total investment portfolio	Suits those who have existing shares or managed funds and are willing to take higher risks Minimum loan $20,000, or $2,500 with the regular gearing facility	Fees and charges Approved Australian securities Apply now
Equity Access Loan
Allows you to use the equity in property as security for a loan, to invest in shares or managed funds Borrow up to 80% of the equity in your property	Suits those who own property outright, or are in the process of repaying a home loan Minimum loan $25,000	Apply now
Protected Equity Loan
Interest-only capital-guaranteed loan where you invest in the share market with 100% borrowed funds	Suits those wanting the benefits of owning shares and other listed securities as well as access to potential tax benefits of gearing	Product Disclosure Statement (PDF 2.63Mb) Loan Term Sheet (PDF 25kb)
Westpac instalments
Investments with a built-in loan allowing you to purchase Australian shares and units by making two payments over time	Investors and, in certain circumstances, Self Managed Super Fund Trustees looking for enhanced share exposure, capital growth, dividends, potential franking credits and tax benefits	Product Disclosure Statement (PDF 1.4Mb) Supplementary Product Disclosure Statement (PDF 866kb) Go to Computershare to check registry holdings
Westpac Self-Funding instalments
Investments with a built-in loan allowing you to purchase Australian shares by making two payments over time. Dividends are used to reduce the loan amount	Investors and in certain circumstances, Self Managed Super Fund Trustees looking for enhanced share exposure, capital growth, potential franking credits and tax benefits without the need for dividend income	10 Year SFI Product Disclosure Statement (PDF 1.27Mb) Supplementary 10 Year SFI Product Disclosure Statement (PDF 945kb) 5 Year SFI Product Disclosure Statement (PDF 1.18Mb) Supplementary 5 Year SFI Product Disclosure Statement (PDF 570kb) Go to Computershare to check registry holdings
Long Dated Investment Call Warrants
A long-term, geared investment offering the potential for higher returns than a direct share holding	Suits those with a positive long-term view on select bank shares	Offering Circular (PDF 1Mb)

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