Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input


Designed for direct investors, and integrated with a Westpac Share Trading account, our simplified margin loan may help you build a diversified share portfolio.

  • Integrate your loan with a Westpac Share Trading account
  • Simplified share trading loan providing you with a complete picture of your borrowings and shares in the one place
  • Borrow against a range of approved securities including Listed Shares, Exchange Traded Funds and Managed Funds
  • 24/7 access, flexible repayments and no application, establishment or transaction fees
  • Receive preferential variable and fixed rates
  • Trade from $19.95 or 0.11% of the trade value (whichever is greater)^
  • Trade on the go through desktop computer, phone or tablet
  • Newsfeeds and ASX announcements.

For more information on gearing and margin loans read:

A BT Margin Loan may be more appropriate for investors wanting to borrow to invest in a wider range of shares and managed funds. Find out more

Westpac Online Investment Loan

 Fee  Amount
Application fee, transaction fee, establishment fee  NIL
Internet Trading Brokerage (GST Inclusive)  $19.95 or 0.11%*
* Brokerage is calculated as the greater of the minimum brokerage or percentage of the transaction amount.

Integrated Westpac Online Investing Loan rates

Variable Interest Rate

Variable Interest Rate 4.10% p.a. (effective from 15th December 2020)

Rates (Pre-paid interest is not refundable)

 Term Rate
3 months pre-paid

3.70% p.a.

6 months pre-paid 3.70% p.a.
9 months pre-paid
3.70% p.a.
12 months pre-paid 3.70% p.a.
2 years pre-paid 4.60% p.a.
3 years pre-paid 4.95% p.a.


Interest can be pre-paid on fixed rates for terms of 3, 6, 9 or 12 months.

The LVR determines the amount Westpac Online Investment Loan will let you borrow against an individual security. With Westpac Online Investment Loan, LVRs are up to 75%, depending on the particular security.

Acceptable Securities List

Acceptable Securities List (PDF 258KB) – Effective 7 January 2022

View the latest loan to value ratio changes (PDF 38KB) – Effective 7 January 2022


Contact Westpac Online Investment Lending
Phone: 1300 551 744

You can save time and money by setting up an integrated Westpac Share Trading and Investment Loan account, and settling directly to your investment loan. Other features include:

Cash Advance Request Form (PDF 72KB)
Use this form to advance funds out of your Westpac Online Investment Loan.

Contact Details Amendment Form (PDF 59KB)
Complete this form to add or amend the contact details or name of a borrower, third party security provider or guarantor.


Authorised Representative Form (PDF 149KB)

Use this form to appoint someone to operate your Westpac Online Investment Loan on your behalf.

Credit Limit Assessment Form (PDF 1MB)
Use this form when you would like to apply for a credit limit increase or where Westpac Online Investment Lending has requested an updated financial assessment from you.

Direct Debit Request (PDF 94KB)
Use this form to set up or change a direct debit arrangement so that you can credit or debit your bank account from your investment loan. You can use this form to request either a one-off deduction or regular deductions.

If you would also like to update your bank account details on your Westpac Share Trading account, please complete the additional notification.

Loan Refinance Form (PDF 123KB)
Use this form to transfer your existing investment loan with another provider to Westpac Online Investment Lending, for either a full or partial refinance.

Lodging Managed Funds Form (PDF 692KB)
Use the Australian Standard Transfer Form (ASTF) to lodge managed funds as security on your investment loan. This includes lodging third party security. Completed forms must be returned by post and not faxed.

Lodging Shares Form (PDF 83KB)
Use this form to lodge shares and other listed securities as security on to your investment loan. This includes lodging third party security.

Fixed Interest Rate Form - online version
Complete this online form if you would like to fix the interest rate on your Westpac Online Investment Loan. You can also use the link below to download the PDF version of the form.

Request a Fixed Interest Rate Form (PDF 77KB)
Complete this form if you would like to fix the interest rate on your Westpac Online Investment Loan. Alternatively, you can use the previous link to complete this online.

Third Party Security Provider Application Form (PDF 286KB)
Use this form when security on a Westpac Online Investment Lending Facility is being provided (owned) by someone other than the borrower.

Additional Power of Attorney for Tasmanian Applicants (PDF 1MB)
Applicants of a new Westpac Online Investment Loan who reside in Tasmania must complete this form in addition to the WOIL Application Form.

Managed Funds Transaction Form (PDF 287KB)
Use this form to complete a managed fund transaction. Transactions include initial and additional applications, redemptions and distribution amendments.

Loan Repayment Form (PDF 95KB)
Use this to payout and/or terminate your Westpac Online Investment Loan.

Things you should know

Westpac Online Investment Loan Facility Agreement (PDF 265KB)

Westpac Online Investment Loan Product Disclosure Statement (PDF 301KB)

BT Securities Limited Financial Services Guide (PDF 65KB)


^ Trade online from $19.95 or 0.11% of the trade value (whichever is greater) when you settle through a Westpac Cash Investment Account, Westpac Online Investment Loan or DIY Super Working Account. Please refer to the FSG (PDF 138KB) 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.

Westpac Share Trading 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 email is directed to and available for Australian residents only. You should read the Financial Services Guide ('FSG'), which provides you with the services the Participant and Westpac Securities can provide. You can access the FSG via This information has been prepared without taking account of your personal objectives, financial situation or needs. For this reason, before acting on the information you should consider whether it is appropriate to you. Investment in securities and derivatives involves risk. Share prices rise and fall. The payment of dividends and the return of capital are not guaranteed.

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