How to manage Margin Calls

1. Repay some or all of your loan balance

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You may pay funds into your BT Margin Loan account directly by:

  • Direct credit
    Account name: Your name
    BSB: 262755
    Account number: The numbers-only of BT Margin Lending client code.
  • Direct debit – please call BT Margin Lending on 1800 816 222 to arrange to direct debit the amount from your nominated bank account.  You must have completed a Direct Debit Request form and have authorised telephone authority to use this payment method. Allow 1 working day for processing.
  • BPAY (you must allow 2 working days for BT to receive the funds by the date when the Margin call amount is due)
    Biller code: 17111
    Customer reference number: The numbers-only of BT Margin Lending client code.


2. Lodge additional securities acceptable to BT;

You can lodge additional security to your margin loan to reduce your loan balance, which may also increase your loan limit depending on the LVR of the new security.

Lodging shares as security for your BT Margin Loan

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Broker sponsored

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Complete the relevant section of the Lodging Shares Form.

Forward a copy of this to your broker and to us.

Lodging managed fund units as loan security

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  • a current holding statement

Please note: original Australian Standard Transfer form or Notice of Mortgage are required, faxes are not acceptable.

3. Sell some or all of the portfolio and using the proceeds to reduce your loan balance

You can arrange your own broker to sell your listed securities and provide instructions to BT to redeem your managed fund investments. Below are indicative timeframes and steps that you may take in selling or redeeming your securities.

Timeframes

  • Listed Securities – approximately 4 days (T+3) for funds to be available in the loan.
  • Managed Funds – usually 5 to 10 working days, although some Fund Managers can take up to a month or more to process redemption, therefore for funds to be available on the loan.  BT Margin Lending has no control over this timeframe.

Selling Listed Securities

  1. Contact BT Margin Lending on 1800 816 222 to check the number of shares held.  You can also see this on BT Online to check your loan portfolio.
  2. You'll need to sell your shares through your broker, to be settled through your BT Margin Loan.
  3. Make sure the sale is booked in the name of the beneficial owner with the client code recorded on the contract note.
  4. Your broker will send a copy of the contract note to us.
  5. Funds will be available T+3 (trading day plus 3 days).

Selling (redeeming) managed funds

  1. Complete the BT Margin Lending Managed Funds Transaction Form
  2. You’ll need the APIR code, name of managed fund and your investor number as well as how many units and the amount you wish to redeem (sell).
  3. BT will then process your redemption with the Fund Manager. 
  4. Once the Fund Manager processes the redemption, the funds will be available in your loan.  (Note: the time this takes to be processed is determined by the Fund Manager).