Invest now with BT Margin Lending
By borrowing to buy shares you can potentially grow your wealth faster.
With a BT Margin Loan you can:
- generally borrow between 35% and 80% of the market value of over 1,500 listed shares and managed funds depending on their lending ratio*
- combine your monthly savings with borrowed funds to invest in selected managed funds as part of a regular gearing plan
- choose fixed or variable interest
- capitalise the interest to the loan or pay it by direct debit
- prepay interest up to twelve months in advance
- depending on your financial arrangements, the interest may be tax-deductible.
Flexible
Choose the loan that suits you:
- Standard BT Margin Loan. The minimum loan amount is $20,000. The amount that you can borrow is determined by the lending ratio which is assigned to each investment in your loan portfolio. The lending ratio is the percentage of the investment's market value that we will lend you and this is generally between 35% and 80%.
- BT Margin Lending_Online Loan. The minimum loan amount is $20,000. Obtain the benefit of a lower interest rate* when you open a new BT Margin Loan online and link it to a Westpac Online Investing account offered by Westpac Securities.
- Regular Gearing Loan. Start small with a minimum loan amount of $2,500 and use your savings to gear on a monthly basis. A minimum monthly investment and loan advance of $250 respectively applies.
* A discount of 0.20% p.a. to the standard fixed and variable interest rates offered by BT Margin Lending will apply.
Secure
BT Margin Lending is widely recognised as a leading provider of investment financing, with over 25 years experience helping Australians invest successfully.
BT has demonstrated that it is a responsible lender that understands the risks. This is just one reason why the Australian Financial Review awarded BT the Smart Investor Blue Ribbon Award in 2009.
Risks
While margin lending can potentially increase your gains it can also potentially increase your losses so you should speak to a financial adviser or planner if you are considering a margin loan.
Invest now
Apply for one of our margin loans* BT Margin Lending may change lending ratios at its discretion and without notice. Lending ratios are set by BT Margin Lending for the purpose of managing its business and should not be taken as investment recommendation.
BT Margin Lending is offered by BT Securities Limited ABN 84 000 720 114. This document is of a general nature and does not constitute any recommendation, tax or investment advice as to the suitability of a BT margin loan. This document has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs. A copy of BT’s Financial Services Guide can be obtained here. The application of taxation laws depends upon an investor’s individual circumstances. You should therefore seek professional advice on the taxation implication of investing through margin lending and should not rely on this information which should be used as a guide only. BT Margin Lending recommends that you seek independent financial, tax and legal advice.
