Suncorp Margin Lending

Low minimum and competitive interest rates

• You can borrow from as little as $20,000 or you can borrow as much as allowed under Suncorp’s normal credit criteria
• Borrow in single or joint names
• Our range of borrowing rates and loan terms are based on your loan amount, and you can structure your loan repayments to maximize possible tax advantages.

Easy online application with fast approval

• Applications for a Suncorp margin loan are assessed against Suncorp’s standard credit criteria.

Extensive list of approved securities and competitive gearing ratios

• With Suncorp Margin Lending you can use your existing portfolio, or cash, as security. Our list of approved securities covers a wide range of shares and managed funds and the amount we allow you to borrow against each investment is competitive.

Online convenience with genuine Suncorp service

• You can apply online and also keep track of your loan and portfolio online, but you’ll always have a dedicated Suncorp account manager, when you need them.
• We think it’s important to seek good financial advice when you are borrowing to invest, so we also give you the option of letting your financial advisor view your loan and portfolio details

Build your share portfolio faster with a Suncorp Margin Loan

• You could have more to invest today with an investment loan from Suncorp Margin Lending.
• Suncorp Margin Lending offers a range of competitive loans that allow you to invest in shares, managed funds or master funds – and we guarantee that our margin lending clients receive the same genuine service enjoyed by our banking customers.

We recommend you speak to an advisor and read some of our helpful information before you decide to apply for a Margin Loan.

You could start your margin loan with your existing investments

If you have an existing portfolio of shares, managed funds or master trusts, you may be able to use them as security for your margin loan. You can also use cash.

A Suncorp Margin Loan can be used to invest in any security that appears on our Approved Securities lists. Our lists are constantly monitored and are revised at least monthly. You can view the current Approved Securities lists at any time:

• Approved securities list Download PDF
• Approved master trusts Download PDF
• Skandia Master funds Download PDF

Suncorp Margin Lending accepts security held in the name of an individual or joint borrowers, and will accept shares or managed funds held by a third party (such as a company).

Gearing Ratios

The amount of borrowing allowed against each security is known either as the gearing ratio or loan to valuation ratio (the LVR). For example, if you made an investment of $1,000 for which Suncorp lent you $600, your LVR or gearing ratio at the time of borrowing is 60%.

Suncorp has competitive gearing ratios which are designed to give you the best possible borrowing power, while leaving some buffer against potential falls in the market value of your security.

We assess our borrowing ratios on an ongoing basis and publish the most up to date ratios with our Approved Securities lists.

You can log in to your Suncorp account at any time to check your current portfolio gearing level (or the ratio of your loan value to your portfolio value, based on current market prices).

You’ll be impressed by our loan rates, and we don’t charge monthly account keeping fees.

• Choose between fixed or variable rates
• You can pay your interest in advance which may have possible tax benefits.

If you’re an individual, there are no other fees relating to your loan.

It won’t cost you to apply as an individual, to transact, or to have online access to your account information, portfolio details, monthly statements or dedicated account manager.

When borrowing as a trust or company, there is an establishment fee of $150.

Master Trust Acceptable Securities List Skandia Master Trust Download PDF

Margin Lending

Customers looking for Margin Lending Fixed Loan rates greater than 2 years, please contact the Account Management Team on 1800 805 972

We recommend you speak to an advisor and read some of our helpful information before you decide to apply for a Margin Loan.

Powerful Investment Strategies

Savings Gearing through regular monthly contributions is increasingly popular. It combines a regular savings plan with a Margin Loan. Each month, customers provide a fixed equity contribution from their savings account. This is supplemented by a loan draw down from the Savings Gearing loan. These funds are combined and invested in approved Managed Funds.

Savings Gearing builds an investment portfolio month by month and offers a large selection of Approved Managed Funds.

Fees