Westpac
Westpac 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.
Margin loansBank updated 8 Sept 2026
At a glance
- Fixed
- 9.05%
- Variable
- 8.35%
- Loan size
- $20,000 to no maximum
- Upfront fee
- $0
§ 01 — Rates · 7
| 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 | — | — | — | 8.35% | — | — |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Telegraphic Fund Transfers | Event | Varies | — | Fees are charged for telegraphic fund transfers; fees may also be charged for breaking a fixed rate loan and additional account services. |
| Application Fee | Upfront | No fee | — | — |
| Establishment Fee | Upfront | No fee | — | — |
| Transaction Fee | Upfront | No fee | — | — |
§ 03 — Features
Extra repaymentsRelationship manager
- · 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
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residency
- · Amount $20,000 to 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
§ 06 — Run the numbers
Put this product through a calculator
Published by Westpac under the Consumer Data Right, last changed by them on 8 Sept 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.