Absolute Investment Loan

The Westpac Absolute Investment Loan has potential to magnify your investment returns with up to 80% gearing.
Category: Margin Loans  Last Updated May 20, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT product. Additional Information Fixed interest is paid in advance.
Interest Rate
10.25% 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, 10.25%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.25%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.25%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.25%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.35%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.60%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.60%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.35%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.35%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.55%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.55%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.70%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.70%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: The Westpac Absolute Investment Loan offers up to 80% gearing.
  • Other Additional Information: The loan has a term of approximately 10 years.
  • Other Additional Information: There are no margin calls on the loan.
  • Other Additional Information: Competitive interest rates with the opportunity to choose either a variable or fixed interest rate.
  • Other Additional Information: Potential tax benefits as the total interest cost of your investment loan may be a tax deduction. Interest can be prepaid annually in advance or paid monthly in arrears.
  • Other Additional Information: The Westpac Absolute Investment Loan has no transaction fees.
  • Extra Repayments Additional Information: 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 Additional Information: Relationship management is available for eligible customers.
  • Other Additional Information: Borrowers are subject to full credit checks.

 Product Eligibility

  • Residency Status - Australian Residency . Additional Information: Individual or joint individuals, who are Australian residents for tax purposes, reside in Australia and are not holders of a Significant Investor Visa (SIV) (188C).
  • Other Additional Information: Australian proprietary companies which are not subsidiaries of listed companies. The company directors are required to guarantee the obligations of a company borrower. The company directors must be Australian residents for tax purposes, reside in Australia and not be holders of a Significant Investor Visa (SIV) (188C).
  • Other Additional Information: Australian trustees of family, discretionary or testamentary trusts. The directors of proprietary company trustees are required to guarantee the obligations of the company trustee borrower. The company directors must be Australian residents for tax purposes, reside in Australia and not be holders of a Significant Investor Visa (SIV) (188C).

 Bank Fees and Charges

  • Transaction Fee (Event), Amount: 0.00. Additional Information: The Westpac Absolute Investment Loan has no transaction fees. Details of current interest rates, fees and charges are available from us on request. We may vary interest rates, fees and charges payable from time to time.

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00 Additional Information: Minimum loan size is $50,000, subject to credit approval.