Help & support
The majority of Geared Investments Loan clients will be communicated to. Clients who have ongoing multi-year fixed loans will be sent separate interest payment notices prior to the yearly anniversary of their fixed loan.
Adviser communications and client communications are expected to be sent out from to 12 May 2023 and 22 May 2023, respectively.
Yes. Advisers will be sent a sample copy of the client communication.
Existing advisers and clients can obtain their Geared Investments User ID by referring to the email and/or letter we‘ve sent. You can also call us on 13 15 20 from within Australia (or +61 2 8397 1221 from outside Australia), 8:30am to 6:00pm (Sydney time), Monday to Friday.
The new website provides advisers with the ability to search and filter their clients’ fixed rate loans.
To do this, log into your Geared Investments online account at commbank.com.au/gearedinvestments and then:
Clients are recommended to consult with their adviser about whether fixing their rate continues to be an appropriate strategy for them and before using any of the website features to take action on their loan.
Both advisers and clients can submit fixed interest requests on the new Geared Investments website.
Simply follow these steps to fix a Geared Investments Loan balance online:
If you prefer to keep the loan on a variable interest rate, you don’t need to do anything.
To review the status of the request or to obtain a confirmation record, in the navigation bar select ‘Service Centre’ > Select ‘Requests’ > Select ‘Details’ of the request you wish to view.
Alternatively, you can complete and return a Fixed Interest Request form via email at marginlendingfixedinterest@cba.com.au or mail (details included on form). If you would like your fixed interest rate to commence on a future date please nominate this date on your form, otherwise your fixed interest rate will commence on receipt of your form.
Forms received after 23 June 2023 may not be processed before 30 June 2023.
Click here to access the Fixed Interest Request form.
The same interest payment method selected for your variable loan balance will be used if you choose to submit the request online. If you wish to change this payment method, please contact us.
You can pay interest in advance by any of the following methods:
No. To ensure we apply your BPAY payment towards your interest costs and not towards reducing your outstanding loan balance, it is important the payment is paid into Biller code: 828210, Reference number: refer to your ‘Account Details’ page online. Your completed and signed Fixed Interest Request form must also be returned to us in order to process your fixed interest request.
You can break your fixed loan at any time, however please note a Termination Fee/Early Repayment Adjustment may apply - please refer to the Margin Loan Terms and Conditions. If you have paid your interest in advance we will refund your unused portion of interest less any Early Repayment Adjustment.
Yes. If you choose to pay your interest in advance you may capitalise your interest to your variable or fixed loan. If you choose to pay your interest monthly in arrears you may capitalise your interest to your variable loan only. Your ability to capitalise interest is dependent on your available credit. It is also important to note that capitalising interest to your fixed loan will result in a larger amount being fixed. This is a result of additional interest being calculated on the interest borrowed.
Yes. Provided we receive your request prior to the existing fixed rate loan's maturity date we will endeavour to process your new fixed loan on the day of maturity. Requests received after your existing fixed loan has matured will be fixed as soon as possible and may result in a period where a variable interest rate will be applied to your loan amount.
Borrowing to invest can multiply your investment returns in a rising market. However, if your investments perform poorly, it can also multiply your investment losses.
Other risks associated with an investment loan include:
There are a number of things you can do to reduce the risks associated with an investment loan. For example, borrowing less than the maximum allowed reduces the risk of a margin call.
Before you apply for an investment loan, you should speak to your financial adviser who will be able to help you put an appropriate strategy in place. Investors should also obtain professional taxation advice that addresses their individual circumstances before taking out an investment loan.
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 taxation 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.
Tax considerations are general, based on present taxation laws, and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. Commonwealth Bank is not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.
