WestpacWestpac Online Investment Loan
A Westpac Online Investment Loan is a margin loan which allows you to borrow money to invest in shares and managed funds, using your own money or existing portfolio as security.
At a glance
- Fixed
- 9.05%
- Variable
- 8.60%
- Loan size
- $20,000 to no maximum
- Upfront fee
- $0
Rates
Every rate Westpac publishes for this margin loan, 7 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedPre-paid interest is not refundable | - | 1 yr fixed | - | 9.05% | - | - |
| FixedPre-paid interest is not refundable | - | 2 yrs fixed | - | 9.05% | - | - |
| FixedPre-paid interest is not refundable | - | 3 mo fixed | - | 9.05% | - | - |
| FixedPre-paid interest is not refundable | - | 3 yrs fixed | - | 9.15% | - | - |
| FixedPre-paid interest is not refundable | - | 6 mo fixed | - | 9.05% | - | - |
| FixedPre-paid interest is not refundable | - | 9 mo fixed | - | 9.05% | - | - |
| VariableVariable Interest rate | - | - | - | 8.60% | - | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable | 8.35% | 8.60% | up 0.25 |
Each change is logged the night it appears in the rates Westpac publishes. See how every lender answered the RBA on the rate tracker.
Fees
4 fees published, grouped by when they're charged.
When you take it out2
- Application FeeNo fee
- Establishment FeeNo fee
When you make a transaction1
- Transaction FeeNo fee
When particular things happen1
- Telegraphic Fund Transfers
Fees are charged for telegraphic fund transfers; fees may also be charged for breaking a fixed rate loan and additional account services.
Varies
Features
- Westpac Margin Lending offers variable and fixed interest rates on both the Westpac Margin Loan and Westpac Online Investment Loan.
- Low brokerage fees: Starting from $4.95
- Investment options: Borrow against a wide range of acceptable listed securities
- Repayments and fees: Flexible repayments with no set principal repayment schedule, or margin loan fees
- Choice of acceptable securities: Choose from more than 500 listed securities with loan-to-value ratios (LVRs) between 35% to 75%. More information can be found on the Acceptable Securities page.
- Online access: View and manage your account via the Westpac Margin Lending portal and Westpac Share Trading app
- No application, establishment or transaction fees.
- Linked Westpac Share Trading account: You have the choice to link an existing or establish a new Westpac Share Trading account in the same name to your loan
- Tools to manage your loan: 24/7 online access to both the Westpac Margin Lending portal and Westpac Share Trading app/website to view and manage your Loan. Trade on the go through the Westpac Share T…
- Potential risks: All investments are subject to risk. Some of the main risks associated with taking out a margin loan include: Borrowing to invest can increase your potential returns, however it can…
- Fixed interest rates are available for terms ranging from 3 months to 5 years
Eligibility and limits
- Minimum age 18
- Residency: Australian Residency
- Amount from $20,000, no maximum
- Maximum LVR 75%
- Not available to superannuation funds
- Investors who are not holders of a Significant Investor Visa (188C)
- Fixed interest rates are available for terms ranging from 3 months to 5 years
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Published by Westpac under the Consumer Data Right, last changed by them on 19 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.