--- title: "Westpac Online Investment Loan — Westpac" description: "Margin Loans from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/westpac/products/MLOnlineInvestmentLoan source: "CDR Compare" language: en-AU last_updated: 2026-08-19T08:58:36Z --- # Westpac Online Investment Loan — Westpac > Margin Loans from Westpac. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Margin Loans** 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 - **From:** 8.35% (Variable) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Variable Interest rate) | 8.35% | — | — | | Fixed · 3 months (Pre-paid interest is not refundable) | 9.05% | — | — | | Fixed · 6 months (Pre-paid interest is not refundable) | 9.05% | — | — | | Fixed · 9 months (Pre-paid interest is not refundable) | 9.05% | — | — | | Fixed · 1 year (Pre-paid interest is not refundable) | 9.05% | — | — | | Fixed · 2 years (Pre-paid interest is not refundable) | 9.05% | — | — | | Fixed · 3 years (Pre-paid interest is not refundable) | 9.15% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Establishment Fee | Upfront | $0.00 | | Transaction Fee | Upfront | $0.00 | | Application Fee | Upfront | $0.00 | | 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. | Event | Variable | ## 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 Trading app. Electronic buffer and margin call alerts** - **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 also increase potential losses. The value of securities may not go up, or if they do, the increase in value may not be sufficient to cover the costs of the investment. You need to ensure that you can fund your obligations under your loan, including any interest, fees, and charges. If you can?t, the securities will be sold to satisfy these obligations. You should also consider the taxation consequences and seek independent professional tax advice.** - **Extra repayments** (Indicates that the product has the option to accept extra repayments without incurring additional charges (for example Buy Now, Pay Later (BNPL) or line of credit products may offer the facility to repay instalments on an adhoc basis).) - **Relationship management** (Relationship management is available for eligible customers.) - **Fixed interest rates are available for terms ranging from 3 months to 5 years** - **Notifications** — Margin Call Alerts: You can choose to be alerted via SMS or email (or both) if your margin loan nears or has reached a Margin call. ## Eligibility - **Minimum age** — 18 years (Applicant should be 18 years or over) - **Residency status** — Should be an Australian Resident - **Individual or joint borrowers** - **Not available to superannuation funds** - **Investors who are not holders of a Significant Investor Visa (188C)** ## Constraints - **Minimum LVR** — 35% - **Maximum LVR** — 75% - **Minimum limit** — $20,000.00 (Minimum credit limit of $20,000, no minimum loan amount.) - **Fixed interest rates are available for terms ranging from 3 months to 5 years** ## More information from Westpac - [Overview](https://www.westpac.com.au/personal-banking/share-trading/margin-lending/investment-loan/) - [Terms & conditions](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/1999030/Westpac_Online_Investment_Loan_Facility_Agreement.pdf) - [Eligibility](https://www.westpac.com.au/personal-banking/share-trading/margin-lending/investment-loan/) - [Fees & pricing](https://www.westpac.com.au/personal-banking/share-trading/margin-lending/investment-loan/) ## Data provenance - Published by Westpac under the Consumer Data Right - Product ID: `MLOnlineInvestmentLoan` - Last updated by the provider: 19 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/MLOnlineInvestmentLoan - Provider page: https://www.cdrcompare.au/brands/westpac - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/MLOnlineInvestmentLoan) — product data published by Australian data holders under the Consumer Data Right. 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