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IMPORTANT NOTICE TO BORROWERS AND GUARANTORS

Leveraged has varied the Terms and Conditions for its margin loan products and
Additional Features, effective from 9 November 2023.  

Learn More



LEVERAGED WINS FOUR IN A ROW!

Leveraged is Money magazine’s Margin Lender of the Year for a fourth year
running – 2020, 2021, 2022, 2023^. Borrow to invest with Leveraged, and learn
why we are The Professional’s Choice.

Learn More



WANT OUTSTANDING VALUE?

Discover our 5-star award winning* margin loan designed for investors who prefer
to manage their own facility.

Learn more

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WHY BORROW TO INVEST?

By borrowing to invest (also known as gearing) you can boost your investment
power by building an investment portfolio larger than if you did using just your
savings.   

Gearing can be used for a range of goals including wealth creation, saving for a
home deposit, a trip overseas, children’s education or saving outside super. 
Similar to gearing into property via a mortgage, you can also gear into the
share market with a margin loan.

Learn more


WHAT IS A MARGIN LOAN?

A margin loan is a line of credit that allows you to borrow money to invest in a
wide variety of acceptable investments - such as shares, ETFs and unlisted
managed funds - to gain additional exposure to dividends, franking credits and
the potential to accelerate investment returns.  

You can leverage an existing portfolio or create a new one to help meet your
financial goals. 

Learn more


PRODUCTS

As Money magazine’s Margin Lender of the Year 2023, Leveraged provides clients
with the flexibility to choose the loan that best suits their individual
investment requirements.

Share Investment Loan:


ANZ Investment Lending clients whose loans transferred to Leveraged can find
relevant terms and conditions for their Share Investment Loan facility on the
forms page.





MARGIN LOAN

The Leveraged Margin Loan is a flexible loan account offering a range of
interest rate options, 3,000+ acceptable investments such as shares, ETFs and
unlisted managed funds plus the ability to either manage the loan directly or
use the services of a stockbroker/financial adviser of your choice.

 * Apply now
 * Find out more

INVESTMENT FUNDS MULTIPLIER

Exclusive to Leveraged, the Investment Funds Multiplier (IFM) is a margin loan
with built in limits and controls. In the event of a significant fall in
portfolio value, you can reduce the loan through monthly repayments until the
gearing ratio is restored to an acceptable level. 

 * Apply now
 * Find out more

DIRECT INVESTMENT LOAN

The award winning* Direct Investment Loan is a lower interest rate margin loan,
designed specifically for investors who prefer to manage their own facility
online.

 * Apply now
 * Find out more

QUICK LINKS


Acceptable investments list

Forms

Margin loan calculator

Product comparison



FINANCIAL MARKETS UPDATE

Another RBA pause as expected in October, but growing expectations of rates
higher for longer ahead. Hear David Robertson’s latest views for domestic and
global the markets.

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Video transcript - market update


Another RBA pause as expected in October, but growing expectations of rates
higher for longer ahead. Our latest thoughts for domestic and global markets. 

Michele Bullock’s first policy meeting as the new RBA governor followed a
similar script to the previous three, with the ‘no change decision’ statement
almost unchanged from last month’s, but still the warning that further
tightening of policy may be required.

Another hike to 4.35% as early as Melbourne Cup Day remains our expectation, as
does our forecast that we’ve shared throughout the year that rate cuts will most
likely be a 2025 story, not early to mid 2024; and events over the past few
weeks appear to support this view.

While the focus for rates is often on official cash rates, term rates (including
government bond yields) are just as important, and the recent surge in bond
yields in the US is having a material impact on the markets, even while the US
Federal Reserve and the RBA have kept rates on hold.

The US ten-year has jumped to above 4.75%, its highest level since 2007 just
prior to the GFC, and as the chart shows above our ten-year yield. This has a
number of implications, beyond simply implying that the Fed will need to keep
rates higher for longer:

 * The value of the US Dollar continues to strengthen (taking the Aussie dollar
   down to below 63 US cents)
 * Equity markets are under pressure, as valuations of future earnings are
   diluted, and;
 * The higher for longer theme makes soft landing scenarios harder to reconcile
   with the reality that taming inflation takes time, and typically requires a
   deeper economic downturn.

Inflation rates here and around the world are still expected to steadily
moderate, but factors that will challenge the pace of normalisation include;

 * The rebound in property prices, as supply fails to pick up versus population
   growth
 * Resilient jobs markets, as demand for labour remains persistent, and;
 * Higher energy prices, even with government subsidies and support.

The rebound in the oil price has mainly been driven by supply cut-backs,
especially from Saudi Arabia and Russia, but global demand has also held up
resiliently, and here the lower Aussie Dollar means a higher cost for oil
imports, so a higher price for petrol at the bowser. The demand side will be
challenged by the global downturn although, China’s stimulus measures are having
some success, judging by recent activity data.

The next inflation data of note in Australia will be the third quarter numbers
out on October 25th and these are likely to continue to show falling costs for
goods, but not for services. Services inflation continues to be stubbornly high
around the globe, and here tight labour markets (together with abysmal
productivity) is a major factor.

Our unemployment rate remained at 3.7% in August despite the strong rebound in
population growth, so while the ongoing strength in labour markets is supporting
the economy, this resilience simply means that the RBA will need to keep its
tightening bias intact for longer. To achieve real wages growth and a lower
unemployment rate, we need a lift productivity while also decreasing core
inflation, which will all take time.

In summary, the next move from the RBA is still more likely to be up than down,
and the next read on inflation on October 25th will be critical, but markets are
continuing to adjust to the ‘rates higher for longer’ scenario, and its
implications.

And that’s the market update from Leveraged

 


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PHONE

1300 307 807
+61 2 8282 8282 (If calling from overseas)

8:30am - 5:30pm AEST/AEDT
Monday - Friday

ONLINE

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GPO Box 5388,
Sydney, NSW, 2001

*2022 Canstar 5-star rating Margin Loan for outstanding value in Share Investor
profile

°Lowest ever advertised variable rate

^Rating is only one factor to consider when choosing a financial product

 

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Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander
peoples as the First Peoples of this nation and the Traditional Custodians of
the land where we live, learn and work. We pay our respects to Elders past and
present as it is their knowledge and experience that holds the key to the
success of future generations.

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