Help & support
We offer Investment Loans for clients who use the services of a financial adviser or broker.
Formerly known as CommSec Adviser Services, we are one of Australia's leading providers of investment loans that allow you to borrow to invest in shares and managed funds, whilst supporting both you and your financial advisers and brokers, who operate on your behalf.
Servicing advisers from over 700 dealer groups, and with roots stretching back to 1996, we understand the challenges clients and advisers face when it comes to managing an investment loan during all market cycles.
Speak to your financial adviser or broker to see if this product is suitable to you.
We offer investment loans for advised clients who use the services of a financial adviser.
Once your adviser has established a Geared Investments Loan for you, transfer your existing shares, managed funds or cash into it as collateral. We calculate the lending value, which determines how much you can borrow. Your adviser can then use your available funds to make investments, which combine with your original collateral to form your overall portfolio.
Accelerate your wealth creation: Boost your potential capital growth and income by using your Investment Loan to buy more shares or managed funds for your portfolio.
Diversification across varied companies, industries and countries, can help manage your investment risk. The extra purchasing power of our Investment Loan allows you to diversify as opportunities arise.
Realise the equity in your portfolio - harness its borrowing power with our Investment Loan. Defer capital gain (and loss) events, and build a larger portfolio at the same time.
Obtain potential tax deductions by claiming interest expenses. Bring forward interest expenses by prepaying interest. Potentially reduce your tax liability by buying more stocks that pay franked dividends.
A regular gearing plan combines the power of gearing with the discipline of regular savings, helping you build wealth over the long term.
Choose from a range of interest rate and repayment options - with no minimum loan balance requirements - to create the Investment Loan that suits you best.
If at any time you need to access the capital in your loan security, you can sell assets and transfer available funds online - effectively having cash on call when you need it.
Borrowing to invest can multiply investment returns in a rising market. However, it can also multiply investment losses if the market declines and your investments perform poorly. Some of the risks of using an investment loan include:
There are ways to manage the risks associated with an Investment Loan. They include:
It is important to regularly monitor the status of your Investment Loan. A downturn in the market or a reduction in the borrowing limit of a listed security or fund securing your investment loan may move your Current LVR closer to your Base and Margin Call LVR.
Investors should always aim to keep their Current LVR below the Base LVR – the maximum permitted level of gearing. Once the Current LVR moves above the Base LVR, the investment loan is in the ‘Buffer’. If the Current LVR reaches and exceeds the Margin Call LVR the investor will be in Margin Call and will be required to bring the Current LVR back below the Base LVR. This is usually done by reducing the loan balance and/or adding approved securities to the portfolio.
Effective from 01 July 2016.
This information can be found in the Geared Investments Loan Product Disclosure Statement (PDS).
Interest rates are subject to change without notice and are indicative only. Actual rate and other fixed terms and firm rates are available on application. Rates for Geared Investments Loan include trail commission (where applicable).
If you have any questions, please contact us via email, or call our team on 13 15 20.
View the tools & forms section.
Fixed vs Variable Interest Calculator
This calculator allows you to determine the potential interest savings between a fixed and variable interest rate on your loan balance over different terms.
Borrowing to invest (often referred to as gearing) offers the potential to grow wealth at a faster rate when compared to not gearing. Using a Geared Investments Loan, clients can invest into listed securities or managed funds and potentially accelerate their returns.
Even with the best intentions and a good income, building wealth can be a slow process - especially if you want to enjoy life at the same time. But with savings, a budget and the right financial advice, you can create an investment portfolio and reach your goals sooner.
Aside from the day-to-day issues of managing a business, it's also important to plan for the future and invest wisely. Should you pay off debt, expand the business, or diversify into other income producing assets? With the right advice you can develop a strategy that will maximise your wealth and generate additional income.
For many Australians the idea of borrowing money to create a larger investment portfolio seems out of reach. With income allocated to rent or a mortgage, living expenses and the occasional holiday, finding the extra cash to meet interest costs seems almost impossible. But with the right financial advice, many Australians can build a larger investment portfolio by using investment income to meet interest costs.
Most successful investors would agree that the hardest part was getting started. Having a goal in mind, setting a budget and picking what to invest in are all parts of the typical plan, but is it possible to start investing sooner and achieve your goals earlier?
View the FAQs section.
13 15 20, +61 2 8397 1221 (outside Australia)
Monday – Friday 8.30am – 6.00pm (Sydney time)
Locked Bag 34, Australia Square NSW 1215
The Geared Investments Loan is provided by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and ACL 234945 and administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814, a market participant of the ASX Limited and Cboe Australia Pty Limited (formerly CHI-X Australia Pty Limited), a clearing participant of ASX Clear Pty Limited and a settlement participant of ASX Settlement Pty Limited.
This information contains general advice and has been prepared without taking into account your objectives, financial situation or needs. You should consider its appropriateness, having regard to your objectives, financial situation and needs. Investors should read the relevant disclosure document and seek professional advice before making any decision based on this information.
