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Essentials

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 $4.95^
  • Trade on the go through desktop computer, phone or tablet
  • Newsfeeds and ASX announcements.
     

For more information on gearing and margin loans read:

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:

Who can borrow to invest?

  • Individuals and joint borrowers.

Interest

  • Receive preferential variable and fixed rates.
  • Interest and other costs could be tax deductible. It may be possible to bring forward a tax deduction by prepaying interest.
  • Prepaying your interest before the end of the financial year can help you manage your cashflow.

Establishment fees

  • No application or establishment fee.

Loan-to-Value Ratio (LVRs)

  • 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.

Minimum loan amount

  • No transaction limits, no minimum amounts for loan drawdowns or repayments.

Tools to manage your loan

  • Monitor and transact on your loan account online 24 hours a day, 7 days a week.
  • The complete picture of your borrowings and shares in the one place
  • Specialist Investment Loan Customer Service available Monday to Friday, 8.00am to 6.30pm (Sydney time) on 1300 551 744.

Key risks include

  • While borrowing to invest in shares and managed funds increases your potential returns, it can also increase potential losses
  • In a volatile market, the value of your investment loan portfolio may fall to a level where it no longer provides adequate security for your investment loan and can trigger a margin call. If this happens you will be required to bring your loan balance back under your borrowing limit.
  • The margin loan is a full recourse loan - even if the value of your security portfolio falls to zero, you are still liable to repay the total loan balance outstanding
  • We recommend you seek independent financial and taxation advice before acting on this information.

Please refer to the Westpac Online Investment Product Disclosure Statement for more information.

Westpac Online Investment Loan

Fee Amount
Application fee, transaction fee, establishment fee NIL
Online Trading Brokerage (GST Inclusive)

Brokerage fee by transaction value:

$4.95 (up to and including $1,000)
$9.95 (over $1,000 up to and including $3,000)
$19.95 (over $3,000 up to and including $10,000)
$29.95 (over $10,000 up to and including $28,000)
0.11% (over $28,000)

Variable Interest Rate

   Rate
Variable Interest Rate 7.85% p.a. (effective from 10th June 2025)

Rates (Pre-paid interest is not refundable)

 Term Rate
3 months pre-paid

7.60% p.a.

6 months pre-paid 7.60% p.a.
9 months pre-paid
7.60% p.a.
12 months pre-paid 7.60% p.a.
2 years pre-paid 7.60% p.a.
3 years pre-paid 7.70% p.a.

Prepayment

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 243KB) – Effective 2 June 2025

View the latest loan to value ratio changes (PDF 44KB) – Effective 2 June 2025

 

Contact Westpac Online Investment Lending
Phone: 1300 551 744
Email:  investmentlending@westpac.com.au

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 624KB)
Use this form to advance funds out of your Westpac Online Investment Loan.
 

Contact Details Amendment Form (PDF 634KB)
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 681KB)

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


Credit Limit Variation Request (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/Direct Credit Request (PDF 702KB)
Use this form to enable us to direct debit and/or direct credit your nominated bank account for your Westpac Online Investment Loan on request. Using this form, you can also request to direct debit your nominated bank account for monthly interest payments, a one-off debit, or regular debits.

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.
 

Share Transfer Request (PDF 652KB)
Use this form to lodge OR release shares to/from a Westpac Online Investment Loan Facility. This includes lodging or releasing 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 694KB)
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.
 

Break costs fact sheet (PDF 87KB)
We recommend you read this prior to entering into a fixed interest rate contract.
 

Third Party Security Provider Application Form (PDF 669KB)
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 111KB)
Use this form to complete a managed fund transaction. Transactions include initial and additional applications, redemptions and distribution amendments.
 

Loan Repayment Form (PDF 661KB)
Use this to payout and/or terminate your Westpac Online Investment Loan.

Things you should know

Westpac Online Investment Loan Facility Agreement (PDF 425KB)

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

BT Securities Limited Financial Services Guide (PDF 289KB)

 


^ Trade online from $4.95 when you settle through a Westpac Cash Investment Account, Westpac Online Investment Loan or Westpac DIY Super Working Account. Please refer to the FSG (PDF 2MB) 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 233714. 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 Cboe 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 westpac.com.au/onlineinvesting. 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 so, before acting on it, you should consider its appropriateness in regard to these factors. The PDS and other disclosure documents are relevant when deciding whether to acquire or hold this product and can be obtained by phoning 1300 551 744 or online at www.westpac.com.au.