Help & support
On 3 May 2021, the Commonwealth Bank divested CommSec’s Adviser Services wholesale trading solutions business Ausiex, but continued to provide Investment Loans to clients with Advisers.
It's been less than 12 months since we legally separated from Ausiex and we are thrilled to officially relaunch our business under the Commonwealth Bank brand focussed on Geared Investments Loans, with a new and dedicated website for our Investment Loans to service you and your adviser.
Although we have a new name, we're still the same business, with the same great people and commitment to servicing your needs.
Geared Investments Loan applications can be accessed on the forms section on this website only, click here to access.
You should also read the Geared Investment Loan Terms and Conditions which provides you with information about us and services we can provide. In addition, you should read all relevant Product Disclosure Statements or disclosure documents available on our Forms page.
We offer 3 types of Investment Loans, some with slightly different features to suit different investor needs:
Retail Client, Wholesale clients, Corporate & Trust Entity Loans;
There are also other different product features such as LVRs and Margin Call clearance time which can be viewed on either the Accepted ASX Listed Equities list or Accepted Managed Fund list.
Wholesale Loans;
We only offer the 5% buffer features on the wholesale loan. Wholesale clients can get access to the maximum lending values on the Approved Security List, when they diversify their portfolio.
We have a comprehensive accepted securities list of listed securities, managed funds, investment platforms and SMA. Each accepted security has a lending ratio which indicates the maximum we can lend against. Our lending ratios are generally between 40% up to 80% depending on the investment loan type.
The maximum amount you can borrow depends on:
Note: For retail client loans, clients must have the net servicing capacity to afford the interest expense of their fully drawn loan, have sufficient collateral available to support the limit applied for, and have a total gearing level for all personal and investment debt including the Geared Investments Loan being applied for, that does not exceed our upper limits. If you want to know more about our assessment limits or application process, please contact our business development managers or call our team on 13 15 20.
A Margin Call occurs when:
A Margin Call can occur when:
If a Margin Call is triggered, the following resolutions are available:
All investments are subject to risk. This means that you may lose money on your investments or fail to meet your financial objectives.
The key risks of an Investment Loan include:
For general information on the risks involved, visit https://moneysmart.gov.au/how-to-invest/borrowing-to-invest.
There are a number of things you can do to reduce the risks associated with an investment loan. They include:
From 19 March 2022, advisers will no longer be able to obtain information and/or conduct transactions on client ACA accounts through the AUSIEX website or through Geared Investments. Clients can continue to access information and transact on their ACA cash account through CommBank channels, including Netbank, CommBank App, CommBank branches or phone banking. ACA disclosure documents including ACA Terms and Conditions, and interest rate information can be found on commbank.com.au.
While we welcome any positive comments you may have, it is equally important for us to know when you have a problem so that we can resolve it and retain your confidence.
To save yourself valuable time, gather all the facts and documents about the complaint, think about the questions you want answered and decide what you want us to do.
Once you have compiled all the relevant information, please follow the below steps.
1. Talk to us
Where possible, we encourage you to contact us as soon as possible for assistance with your complaint. We aim to resolve your complaint at your first point of contact with us.
2. Contact Customer Relations
Sometimes, a complaint is complex or requires a more detailed investigation than our team is able to provide. If this is the case, your complaint might be referred to our Customer Relations team for specialist assistance.
If you have tried to resolve your complaint through the Client Service Team and are not satisfied with the outcome, you may also contact our Customer Relations team:
Phone: 1800 805 605
Mail:
CBA Group Customer Relations
Reply Paid 41
Sydney NSW 2001
Fax: 1800 028 542
If the unexpected happens and you’re having trouble paying what you owe, please get in touch, we may be able to help.
Sometimes unexpected events can occur in life which can leave you needing support to get financially back on track. Our Customer Service team may be able to help customers experiencing financial difficulty with our Geared Investment loan by:
Did you know that missed or late payments can impact a borrower’s credit report? For further information, please read Changes to credit reporting.
If preferred, we can also work with a representative nominated by the, such as their Adviser or a financial counsellor. Please provide us with their details at any stage of the process.
If you have already applied for financial assistance with us and you are not satisfied with the response, you have the right to lodge a complaint. Please view the Dispute Resolution FAQ above for more information.
This tailored plan of action will:
For more information or to apply for financial assistance with us, please contact us.
If you have recently lost someone close to you, we understand this may be a very difficult time.
Below is information that will help guide you through this process, from how to notify us through to what documents you will need to provide. The below relates to all products offered through us however there are some specific requirements depending on the products held, where noted below.
Step 1: Let us know
To ensure the account of your recently deceased client, family member or friend is protected, please notify us of their passing as soon as possible. Please provide us with the deceased’s:
Once these details have been verified, we will take the following actions to protect the account(s):
Important Information: Under ASX Business Rules, all CHESS Settlement Facility holdings must be ‘locked’ on initial notification of a deceased estate. This means that the shares cannot be transferred or sold until all requirements have been satisfied.
Step 2: Complete the Notification form
Download and complete the Estate Management Notification form
The Deceased Estate Notification form is used to notify us of the executors/administrators and solicitors (where applicable) representing an estate and lists the supporting documentation requirements based on the different account types and estate value.
Once we have received and verified this information:
Step 3: Complete the Disbursement form
Download and complete the Estate Management Disbursement form
At this point, you are ready to disburse the shares. The Estate Management Disbursement form is used to instruct us to transfer and/or sell the shares of the estate. The information and documentation requirements will depend on the account types held by the deceased.
Once we have received and executed your disbursement instructions, we will automatically close the accounts and send a notification to you.
Important information: All shares must be sold or transferred from the deceased trading account within 3 months of being unlocked, unless signed approval is received from all executors requesting an extension. Please note the maximum extension that can be granted is up to 12 months from the initial unlock date. In the event this does not occur, the holdings may be sold at our discretion to repay any outstanding balance (where applicable), and release the remaining shares to issuer sponsored holdings. The executor will need to liaise directly with the Share Registry to finalise the shareholdings.
For more information on managing the account/s of a deceased estate, please view the Estate management frequently asked questions. Alternatively, please contact us.