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 and managed funds.
Category: Margin Loans  Last Updated April 17, 2025  Effective May 7, 2025

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT product. Additional Information 1 Year Fixed Rate - Paid Yearly in Advance
Interest Rate
8.49% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  INVESTMENT, FIXED, 8.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.49%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.54%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.64%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.69%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.74%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.79%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 8.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.99%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 9.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 9.04%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: A wide range of shares 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: A dedicated Geared Investment 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

 Product Eligibility

  • Min Age - 18. Additional Information: 18 years or older
  • Residency Status - Australian Permanent Residents. Additional Information: Are Australian Permanent residents, or an Australian registered or incorporated company; or an Australian Trust
  • Natural Person Additional Information: Applicants have been assessed as 'suitable' and are an individual, company or trust.
  • Other Additional Information: Superannuation and minor trusts are excluded. Loan is also managed by an adviser/ financial planner

 Bank Fees and Charges

  • Application Fee (Event), Amount: 0.00.
  • Account Keeping Fee (Event), Amount: 0.00.
  • Early Repayment Adjustments (Variable), Amount: Not Listed.. Additional Information: 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.
  • Dishonour Fees (Event), Amount: 30.00. Additional Information: Any cheque or 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.
  • Personal Property Securities Register (ppsr) Registration Fee (Variable), Amount: Not Listed.. Additional Information: Government fee, payable when the Security Interest is registered, or registration is amended
  • Trust 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.
  • 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.

 Limitations & Restrictions (Constraints)

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

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