BT Absolute Investment Loan

With the BT Absolute Investment Loan, you can borrow up to 100% of the value of selected investments. No upfront cash or security is required. Your investment forms the security for the loan.

  • 100% Finance
    You do not need to contribute any of your own funds to make your investment. This allows you to invest more funds than you might otherwise have been able to.
  • Potential tax benefits
    You may be able to claim a tax deduction for the interest expense of your investment loan. You can also prepay interest for 12 months in advance to assist with tax planning.
  • Minimum and maximum loan amounts
    The minimum loan amount is $20,000.
    There is no maximum loan amount, subject to credit approval.

More information on fees, minimums and the services available.

Current investment options

Interest rates

You have a choice of paying interest on a variable or fixed rate.

If you select a variable rate, it is debited from your nominated bank account at the end of each month.

If you select a prepaid fixed rate, your rate is fixed for 12 months and the total interest cost is debited upfront, from your nominated bank account.

Prepaying interest before the end of the financial year may assist with tax planning as investment loan interest is generally tax deductible. Prepaid interest is non-refundable in any circumstances.

Variable 10.65% p.a.

Indicative fixed interest rates for investments in Alpha Advantage Funds*

Fixed interest for 12 months payable annually in advance
 10.15% p.a.
Fixed interest for 12 months payable monthly in arrears
 10.45% p.a
Fixed interest for 5 years payable annually in advance 9.70% p.a.
Fixed interest for 5 years payable monthly in arrears 10.00% p.a.

*These rates are current as at 7 August 2008 and are subject to change.

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