Standard BT Margin Loan

  • Build your investment portfolio faster
    Rather than be limited by access to only your own capital, margin lending gives you additional funds to invest.
  • Multiply investment returns
    Borrowing money increases the size of your investment – so you can magnify the returns on your investment. Of course, gearing also magnifies potential losses.
  • Diversification
    With more money to invest, you can spread money across more investments.  This is a proven method of reducing investment risk without sacrificing long-term performance.
  • Tax benefits
    Interest on a margin loan could be tax deductible, which may reduce the tax you pay on investments and other income.  Plus, you can prepay the interest for up to 12 months in advance.
  • Minimum loan
    The minimum loan is $20,000 or $2,500 with a regular gearing facility.

Interest rates

You can choose to pay either variable or prepaid interest. The variable rate is paid monthly in arrears; the prepaid interest rate can be set for 3, 6, 9 or 12 months.

Prepaying interest before the end of the financial year can help you manage your cashflow and may help bring forward a tax deduction for when you need it.

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