CommBankCommonwealth Bank Geared Investments Loan
Commonwealth Bank Geared Investments Loan gives financial advisers the ability to diversify their clients' portfolio and take advantage of potential tax benefits by borrowing to invest in shares, ETFs, and managed funds.
At a glance
- Fixed
- 9.65%
- Variable
- 9.90%
- Loan size
- $20,000 to no maximum
Rates
Every rate CommBank publishes for this margin loan, 9 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 Year Fixed Rate - Paid Yearly in Advance | Investment, Interest only | 1 yr fixed | - | 9.65% | - | - |
| Fixed1 Year Fixed Rate - Paid Monthly in Arrears | Investment, Interest only | 1 yr fixed | - | 9.70% | - | - |
| Fixed2 Year Fixed Rate - Paid Yearly in Advance | Investment, Interest only | 2 yrs fixed | - | 9.70% | - | - |
| Fixed2 Year Fixed Rate - Paid Monthly in Arrears | Investment, Interest only | 2 yrs fixed | - | 9.75% | - | - |
| Fixed3 Year Fixed Rate - Paid Yearly in Advance | Investment, Interest only | 3 yrs fixed | - | 9.75% | - | - |
| Fixed3 Year Fixed Rate - Paid Monthly in Arrears | Investment, Interest only | 3 yrs fixed | - | 9.80% | - | - |
| Fixed5 Year Fixed Rate - Paid Yearly in Advance | Investment, Interest only | 5 yrs fixed | - | 9.80% | - | - |
| Fixed5 Year Fixed Rate - Paid Monthly in Arrears | Investment, Interest only | 5 yrs fixed | - | 9.85% | - | - |
| VariableVariable Rate - Paid Monthly in Arrears | Investment, Interest only | - | - | 9.90% | - | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Investment, Interest only | 9.65% | 9.90% | up 0.25 |
Each change is logged the night it appears in the rates CommBank publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
While you hold it1
- Account Keeping FeeNo fee
When particular things happen5
- Dishonour Fees
Any direct debit rejection will incur a fee of $30. This fee will be charged to the loan account at the time of the rejection or on termination of the loan facility.
$30 - Early Repayment Adjustments
Fixed Interest Rate Loans: An early repayment adjustment may be payable after allowing for a refund of any interest paid in advance. The fee is calculated using the criteria in the Geared Investments…
Varies - Off Market Transfer Fee
A fee of $54.00 per security is applicable when completing an Off Market Transfer.
$54 - Personal Property Securities Register (PPSR) Registration Fee
Government fee, payable when the Security Interest is registered, or registration is amended
Varies - Trust Investigation Fee
A minimum fee of approximately $200 will apply for Trust Deed Investigation if a Trust is the borrower or security provider to the loan and the Trust's total loan exposure to the Bank will be greater…
From $200
Features
- A wide range of shares, ETFs, and managed funds in the Approved Securities List, allowing investors to borrow money to accelerate their wealth creation and diversify their investment portfolio, using…
- A Regular Gearing Plan, allowing borrowers to combine the power of gearing with the discipline of regular savings, to help build wealth over the long term.
- Flexible interest rate and repayment options, with no minimum balance requirements
- A dedicated Geared Investments Loan website giving borrowers and their adviser all the tools to monitor and manage the portfolio's performance, including online loan position, online transfers, loan…
Eligibility and limits
- Minimum age 18
- Residency: Australian Permanent Residents
- Amount from $20,000, no maximum
- Maximum LVR 90%
- Applicants can apply as an individual, joint individuals, Australian trust (excluding Self Managed Super Fund and Minor Trust) or Australian registered or incorporated company.
- Investment loans are for clients that utilise the services of a financial adviser
- Able to demonstrate the ability to meet borrowing commitments.
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Published by CommBank under the Consumer Data Right, last changed by them on 7 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.