Ready to apply for your loan?

Please have the details of your income, assets and liabilities available and click on 'Apply now' below.

  • Trade with a new or existing Westpac Share Trading Account

    When opening a new Westpac Online Investment Loan, you will have the option to:

    • Tick - link to an existing Westpac Share Trading account in the same name as the loan; or
    • Tick - open a new Westpac Share Trading account in the same name as the loan

  • Trade from $4.95 per trade^

    • Tick - Enjoy our lowest brokerage rate
    • Tick - Multiply your investment power
    • Tick - Competitive LVRs on over 500 listed securities
    • Tick - Variable interest rate 7.60% p.a. **
    • Tick - Available to individual and joint applicants only

  • Ready to apply?

    Before you apply, ensure that you read the important documents below.

    • Tick - When sending us your completed application, you’ll also need to provide a copy of your loan and credit card statements as well as evidence of your income (no older than 6 weeks) or we will not be able to process your application.
    Apply now

Before you apply for a Westpac Online Investment Loan, all applicants must read the following:

Things you should know

All investments are subject to risk. Some of the main risks associated with taking out a margin loan include:

  • Borrowing to invest can increase your potential returns, however it can also increase potential losses.
  • The value of securities may not go up, or if they do, the increase in value may not be sufficient to cover the costs of the investment.
  • You need to ensure that you can fund your obligations under your loan, including any interest, fees, and charges. If you can’t, the securities will be sold to satisfy these obligations.
  • You should also consider the taxation consequences and seek independent professional tax advice.


^ Trade online from $4.95 when you settle through a Westpac Cash Investment Account, Westpac DIY Super Working Account or Westpac Online Investment Loan.  The DIY Super Working Account is no longer available for sale.  Trade online from $29.95 per trade or 0.29% of trade value (whichever is greater) when you settle to a different account type. Please refer to the FSG for full brokerage rates.


** Variable rate effective from 27th August 2025.

 

Westpac Securities Limited ABN 39 087 924 221, AFSL 233723 (Westpac Securities) (trading as ‘Westpac Share Trading’) provides the opportunity to trade listed financial products through our arrangement with Australian Investment Exchange Limited ABN 71 076 515 930, AFSL 241400 (AUSIEX), a wholly owned subsidiary of Nomura Research Institute, Ltd. (NRI). AUSIEX is a Market Participant of ASX Limited (ASX) and Cboe Australia Pty Ltd (Cboe), a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited. Neither AUSIEX nor Westpac Securities are representatives of each other. Westpac Securities is not a related party of AUSIEX, NRI, ASX or Cboe. Under this arrangement, all trading, clearing, settlement and stock sponsorship arrangements are directly with AUSIEX. AUSIEX 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.

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 westpac.com.au.