CommSec Margin Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 7.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 8.04%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 8.04%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 8.04%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 8.04%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose: Investment

 Product Features

• Other Additional Information: 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.

• Other Additional Information: 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.

• Other Additional Information: Flexible interest rate and repayment options, with no minimum balance requirements

• Other Additional Information: Integration with award-winning CommSec trading platform. CommSec provides borrowers all the tools to monitor portfolio's performance, including online summaries, gearing ratios, loan statements, notifications and research.

 Product Eligibility

• Other Additional Information: Applicants can apply as an individual, joint individuals, Australian trust (excluding Self Managed Super Fund and Minor Trust) or Australian registered or incorporated company.

• Other Additional Information: Able to demonstrate the ability to meet borrowing commitments.

• Min Income - 50000.00. Additional Information: Earn a minimum gross income of $50,000 per annum.

• Min Age - 18. Additional Information: Applicants must be 18 years and over.

• Residency Status - Australian Permanent Resident. Additional Information: Individual and joint individual applicants must be Australian permanent residents.

 Bank Fees and Charges

• Application Fee For Individual And Company Applicants (Upfront), Amount: 0.00.

• Trust Deed Investigation Fee (Event), Amount: 200.00. Additional Information: 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

• Personal Property Securities Register (ppsr) Registration Fee (government Fee Payable When The Security Interest Is Registered, Or Registration Is Amended) (Event), Amount: Not Listed.. Additional Information: Government fee, payable when the Security Interest is registered, or registration is amended

• Account Keeping Fee (Periodic), Amount: 0.00.

• Dishonour Fee (Event), Amount: 30.00. Additional Information: 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.

• Off Market Transfer Fee (Event), Amount: 54.00. Additional Information: A fee of $54.00 per security is applicable when completing an Off Market Transfer.

• Government Tax Or Duty (Event), Amount: Not Listed..

• Early Repayment Adjustment And Administrative Fee On Fixed Rate Loans (Event), Amount: Not Listed.. Additional Information: Depends on amount of loan and interest rate movements

 Limitations & Restrictions (Constraints)

• Min Limit of 20000.00 Additional Information: Applying for a minimum credit limit of $20,000

• Min Lvr of 0.00 Additional Information: Minimum level of gearing allowed

• Max Lvr of 0.90 Additional Information: Maximum level of gearing allowed