Commonwealth 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.
- From (investment)
- 9.15%
- Fixed
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year 1 Year Fixed Rate - Paid Yearly in Advance | 9.15% | — | — |
| Fixed · 1 year 1 Year Fixed Rate - Paid Monthly in Arrears | 9.2% | — | — |
| Fixed · 2 years 2 Year Fixed Rate - Paid Yearly in Advance | 9.2% | — | — |
| Fixed · 2 years 2 Year Fixed Rate - Paid Monthly in Arrears | 9.25% | — | — |
| Fixed · 3 years 3 Year Fixed Rate - Paid Yearly in Advance | 9.25% | — | — |
| Fixed · 3 years 3 Year Fixed Rate - Paid Monthly in Arrears | 9.3% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Keeping Fee | Ongoing | $0.00 |
| 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 Terms and Conditions. | Event | Variable |
| 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. | Event | $30.00 |
| Personal Property Securities Register (PPSR) Registration Fee Government fee, payable when the Security Interest is registered, or registration is amended | Event | Variable |
| 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 than $500,000. The fee will be charged to the loan, unless there is insufficient collateral, in which case we will debit the nominated bank account. | Event | From $200.00 |
| Off Market Transfer Fee |
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 existing investments or cash as security.
- 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 statements, holdings, lending simulators and case studies
Eligibility
- Minimum age — 18 yearsApplicants must be 18 years and over.
- Residency status — Australian Permanent ResidentsIndividual and joint individual applicants must be Australian permanent residents.
- 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.
Constraints
- Minimum limit — $20,000.00Applying for a minimum credit limit of $20,000
- Minimum LVR — 0%Minimum level of gearing allowed
- Maximum LVR — 90%Maximum level of gearing allowed
More Information
Published by CommBank under the Consumer Data Right · Last updated 15 July 2026 · Product ID d2f8af0ad2ac465297d1ddbedd516e00 · View on CDR.gov.au