ANZ Share Investment Loan

 

Boost your Investment Power

Borrowing to invest with a margin loan has the potential to be an effective and tax-efficient way to help grow your wealth. You can use your investment loan to build your share or managed fund portfolio, giving you more exposure to potential gains. If your investments rise in value, you’ll multiply the value of your returns — simply because you have more money invested.

But if they fall, your losses can be multiplied too, so it’s important to understand the risks.

Apply Online   Apply over the phone

Have any questions? Call us on 1800 639 330 Monday – Friday, 8am to 6pm (AEST) on ASX trading days.

 

Performance of a geared vs ungeared portfolio over 5 years

 

How it works

Your margin loan is backed by approved security you provide — usually shares, managed funds or cash — plus potentially the investments you buy.

How much you can borrow to invest depends on your loan to value ratio (LVR) — generally between 30% - 80% of the market value depending on the individual stock or managed fund on ANZ’s Approved Securities List (ASL).

ANZ Share Investment Loans offer competitive LVRs, with even better terms when you meet our diversification criteria. You’ll also enjoy one of the highest levels of choice and diversification of any investment loan, with an extensive range of approved shares and managed funds.

View our approved security list

 

 

 

Diversified Portfolio Features

If you hold a diversified portfolio, you may benefit from activating the Diversified features of your ANZ Share Investment Loan.

This feature provides higher LVRs against many of the approved securities allowing you to create a larger or more diversified portfolio, or create a greater cushion against a potential margin call.

Find out more about our Diversified Portfolio feature

 

 

 

Cross-Rewards Program

The Cross-Rewards program offers a discounted interest rate on your ANZ Share Investment Loan if you have placed enough trades within the calendar month.

If you make a qualifying number of trades using your ANZ Share Investment Loan account (and/or your linked ANZ Share Investing accounts), and you have a standard variable ANZ Share Investment Loan, you'll receive a discount on your interest rate the following month.

Find out more about our Cross-Rewards Program

 

 

 

What are the risks?

Here’s a summary of some of the things you need to be aware of:

  • The value of your investments could fall instead of rise, risking some or all of the money you invested and the security you provided.
  • The potential for accelerated returns means your potential losses are accelerated too.
  • If the investments linked to your loan fall in value, your loan may no longer be adequately secured and you may receive a margin call. In this case, you’ll need to bring the loan back to secure gearing levels, providing additional cash or security for the loan, or by selling investments. Find out more about margin calls
  • If you don’t meet your margin call within 24 hours, we can sell some or all of the investments used to secure your loan.

To make sure you’re across all of the risks involved with margin lending, and what you can do to help minimise your risk, read the PDS (PDF 129kB) and seek professional financial advice.

 

 

What it costs

When you’re comparing margin loan rates, it’s not just about how much you pay. It’s also about what you get for your money.

An ANZ Share Investment Loan gives you:

  • Competitive loan to value ratios (LVRs) with a built-in buffer to help manage margin calls
  • Competitive loan to value ratios (LVRs) with a built-in buffer to help manage margin calls options
  • Visibility of your loan and investments through My Portfolio — making it easy to keep track
  • A dedicated Premium Service Team
  • Discounted loan rates for frequent traders
 

 

Have any questions? 

  • Call us on 1800 639 330
    Monday – Friday, 8am to 6pm (AEST time) on ASX trading days
  • Email us
 

 

#According to Canstar Margin Loans Star Ratings canstar.com.au report dated January 2016. Information correct as at 1 November 2015.

^You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions. Qantas Points accrue in accordance with and are subject to the ANZ Share Investing terms and conditions. Earn 1 Qantas Point per AU$3 in brokerage fees by providing your Qantas Frequent Flyer membership number to ANZ Share Investing before trading.

*All orders are subject to our standard vetting process before they are placed on the market. We do not guarantee that your order will execute. 


The information above, including illustrative studies, has been prepared by ANZ Margin Lending. None of this information should be construed as a recommendation by ANZ Share Investing and ANZ Share Investing makes no warranty as to the accuracy or completeness of its content. ANZ Share Investing accepts no liability for any loss caused by use of any of the information included in this document. The information and any advice on this webpage has been prepared without taking account of your objectives, financial situation or needs. Before acting upon any advice, you should consider whether it is appropriate for you.


Please be aware that while leveraging into investments increases the potential return on investments, it is important to recognise that it can also multiply the effects of falls in share market values. You should seek professional advice before applying for a share investment loan or margin loan.

ANZ recommends you read the ANZ Share Investment Loan Product Disclosure Statement and the ANZ Investment Lending Terms and Conditions which are available from anz.com/investmentlending before deciding whether to acquire, or to continue to hold, the product. Fees and charges apply. All applications are subject to ANZ’s credit approval criteria.

 

 

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