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Things you should know

Like any investment, there's an element of risk, including:

  • The value of your securities may not go up, or go up enough, to cover the cost of your investment
  • Borrowing to invest can increase potential returns and can also increase potential losses
  • You need to ensure you can fund your loan obligations including any interest, fees and charges. If not, securities may be sold to cover the shortfall
  • You should consider the tax consequences and seek independent professional advice

To help you manage the risks:

  • Borrow less than you can afford
  • Invest in high quality investments
  • Diversify your investments
  • Repay your loan interest
  • Reinvest the income you earn from investments
  • Review your situation regularly


The information contained in this website is current as at 21 March 2016. Share trading with Westpac Online Investing is a service provided through Westpac Securities Limited ABN 39 087 924 221, AFSL 233723 ("Westpac Securities") by Australian Investment Exchange Ltd ABN 71 076 515 930, AFSL 241400 ("the Participant"), a participant of the ASX Group and Chi-X Australia. The Participant is not authorised to carry on business in any jurisdiction other than Australia. Accordingly, the information contained in this website is directed to and available for Australian residents only. Investment in securities and derivatives involves risk. Share prices rise and fall. The payment of dividends and the return of capital are not guaranteed. This information has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, you should consider the appropriateness of the information, having regard to your objectives, financial situation and needs and, if necessary, seek appropriate professional advice. You should also read the Financial Services Guide ("FSG"), which provides you with information on the services the Participant and Westpac Securities can provide. In addition, you should read all relevant Product Disclosure Statements or disclosure documents. You can access the FSG via The Participant tries to ensure that the information provided is complete and correct but readers are advised to check any important item(s) with us before making any decisions.

BT Securities Limited ABN 84 000 720 114 and Westpac Banking Corporation ABN 33 007 457 141 are together the issuers of the Westpac Online Investment Loan - Product Disclosure Statement ("PDS"). This information has been prepared without taking into account your personal objectives, financial situation or needs. For this reason, before acting on the information you should consider its appropriateness to your objectives, financial situation and needs and consider the disclosure documents which include the PDS. The PDS and other disclosure documents are relevant when deciding whether to acquire or hold this product and are available at

## Trade online from $19.95 or 0.11% of the trade value (whichever is greater) when you settle through a Westpac Cash Investment Account or a Westpac Online Investment Loan. Please refer to the FSG for full brokerage rates. The Westpac Cash Investment Account and Online Banking are issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233713. Conditions, fees and charges apply. Read the Terms and Conditions before deciding.

# Only available to new Westpac Online Investing customers. Existing customers are not eligible. You will not be charged the first $50 (inc. GST) of brokerage on each contract note trade settled within 30 days of account opening (Introductory Period). This offer is for online trades in ASX-listed shares only (options and international equities excluded). We reserve the right to end the Introductory Period early on one business day’s notice in the event that a customer’s trading activities exceed reasonable limits determined by us in our discretion. Once the Introductory Period has ended, the standard rates of brokerage will apply. We reserve the right to terminate this offer or amend these terms and conditions at any time without notice. This offer is not redeemable for cash and is not transferable. Our normal terms and conditions, credit criteria, fees and charges apply unless otherwise specified here.

* Fixed rate effective from 01 December 2016. Pre-paid interest is not refundable.

** Variable rate effective from 22 October 2018.

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This information has been prepared without taking into account your personal objectives, financial situation or taxation needs. Your individual situation may differ and you should seek independent professional tax advice.