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Investment Loan

Multiply your investment power

Combining a wide range of accepted managed funds, platforms and Australian equities with class-leading features, our investment loan offers the flexibility to help meet investor needs and potentially accelerate their investment returns.

Established as Colonial Geared Investments in 1996 and backed by the Commonwealth Bank of Australia, the CommSec Adviser Services Investment Loan has built a strong reputation on features and value for money.

Phone Us

1800 252 351 (Option 3)

8.30am - 6.00pm, Monday to Friday.

Features & Benefits



Formerly Colonial Geared Investments, we’ve been providing award-winning and innovative gearing solutions to Australian investors since 1996.

Holistic investment management

Holistic investment management

View and manage your clients’ Investment Loans alongside their CommSec Adviser Services Trading and Accelerator Cash Accounts.

Adviser resources

Adviser resources

Our client report centre, case studies, lending simulators and data feeds into your planning software help you better manage your client's investments.



CommSec Adviser Services Investment Loans are backed by Australia’s biggest bank, the Commonwealth Bank of Australia.

National Support Team

National Support Team

Our dedicated Adviser Service Team, Relationship Managers and national network of BDMs ensure support is never far away.

Real time pricing and loan status

Real time pricing and loan status

You can quickly view a client’s loan position with real time information shown in a single screen on our website.



We’ve built our business on understanding advisers and their clients so that we can better meet your needs. Our dedicated Training and Engagement team further demonstrates our on-boarding and transition service to you.

Extensive accepted securities list

Extensive accepted securities list

Enjoy investment flexibility with over 550 shares, 1,750 managed funds and 400 Investment Platforms and SMAs on our accepted securities list.

Interest Rates

Effective from 13 November 2020

Interest rates are subject to change without notice. All fixed rates are indicative only. Other fixed terms and firm rates available on application.

  Paid Yearly in Advance * Paid Monthly in Arrears*

Variable Rate


5.61% p.a.

1 Year Fixed Rate

5.34% p.a.

5.48% p.a.

2 Year Fixed Rate

5.50% p.a.

5.64% p.a.

3 Year Fixed Rate

5.79% p.a.

5.93% p.a.

5 Year Fixed Rate

6.09% p.a.

6.23% p.a.

Fees & Charges

Effective from 01 July 2016

This information forms part of the CommSec Adviser Services Investment Loan Product Disclosure Statement (PDS).

Early Repayment Adjustments 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 Investment Lending Terms and Conditions booklet.
Dishonour Fees 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.
Paper Statement Fee We make electronic statements available free of charge. A $1.95 per statement fee applies if you request to receive paper statements or we send you paper statements because you have not provided a valid email address to us.
Personal Property Securities Register (PPSR) Registration Fee A government fee may be payable to register or amend the registration of the Security Interest on the PPSR.
Trust Investigation Fee

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.

About the CommSec Adviser Services Investment Loan

Who is it designed for?

Advisers and Planners wanting to offer their clients a flexible investment loan that:

  • Unlocks the equity in their existing shareholdings so they can build a larger portfolio and multiply the opportunity for capital gains;
  • Allows them to diversify into a greater number of assets;
  • Enables them to quickly take advantage of market opportunities;
  • Has the potential to generate higher capital gains over the medium to long term;
  • Can increase an income stream from greater exposure to dividends and capital gains; and
  • Can enable tax effective investment opportunities^.

What features do you receive?

  • A wide range of accepted securities with over 500 shares, 2,000 managed funds and 80 platforms/portfolio services
  • No application fees for most application types (excluding Trust Applications)
  • Choice of competitive variable and fixed interest rates (for a variety of terms including one, two, three or five years) with interest payable yearly in advance or monthly in arrears
  • Online access to account information for you and your client via the CommSec Adviser Services website
  • Regular gearing option available
  • 10% buffer to allow for market fluctuations before a margin call is triggered
  • A commitment to responsible lending

How do we support you?

  • Account Managers specialising in gearing solutions for advisers and their clients
  • Dedicated Adviser Service Team
  • Relationship Managers for high value adviser support
  • Investment lending strategies
  • Access to CommSec Premium Research
  • Investment lending simulators including ‘Geared vs non-geared’, ‘What-If’, ‘Cash flow neutral gearing’ & ‘Gearing break-even’ (to access all investment lending simulators, please login to the Investment Lending website using your CommSec Adviser Services User ID and Password)
  • Business development support including regional servicing via our national team of Business Development Managers
  • Training and education material including case studies
  • Client seminars

For more information about the CommSec Adviser Services Investment Loan, see the Investment Lending Explained Flyer.

Accepted Securities

The Accepted Securities Lists (ASL) below shows the percentage of the value of a share and managed fund that we will lend you if it is held as security against your Investment Loan. This percentage is referred to as the Borrowing Limit.

The LVR Changes List outlines the changes to the Accepted Securities List in the past calendar month.

Please note that the Accepted Securities Lists are subject to change at any time without notice. Please review your client's loan positions in light of the updates to the Approved Securities Lists.

Borrowing & Risk

Risk Management

Borrowing to invest can multiply your investment returns in a rising market. However, it can also multiply your investment losses if the market declines and your investments perform poorly. Some of the risks of using an investment loan include:

  • Returns will be magnified, for both positive and negative returns;
  • Interest rates may rise, increasing interest costs;
  • Borrowing limits may be reduced, increasing the potential for a Margin Call;
  • Margin Calls may require the sale of assets at unfavourable prices;
  • Taxation legislation may change.

Managing the risks of an investment loan

There are a number of things you can do to reduce the risks associated with an investment loan. They include:

  • Don’t borrow to the maximum permitted gearing level (i.e. the Base LSR)
  • Ensure that your portfolio is adequately diversified
  • Reinvest distributions and dividends
  • Pay your interest costs instead of capitalising them
  • Don’t rely on investment income to cover your interest costs
  • Have a cash reserve available to avoid or cover Margin Calls
  • Regularly review your portfolio and gearing level
  • If your account is in buffer, use the time to be proactive and avoid a margin call
  • Regularly monitor your loan position and be prepared to take action quickly

Your financial adviser can help you plan the best way for you to manage margin calls.

Managing the risks of an investment loan

Control your LSR before triggering a margin call

It is important to regularly monitor the status of your investment loan. A downturn in the market or a reduction in the borrowing limit of a listed security or fund securing your investment loan may move your Current LSR closer to your Base and Margin Call LSRs.

Investors should always aim to keep their Current LSR below the Base LSR – the maximum permitted level of gearing. Once the Current LSR moves above the Base LSR, the investment loan is in the ‘Buffer’. If the Current LSR reaches and exceeds the Margin Call LSR the investor will be in Margin Call and will be required to bring the Current LSR back below the Base LSR. This is usually done by reducing the loan balance and/or adding approved securities to the portfolio.

Control your LSR before triggering a margin call
* Rates include trail commission

The CommSec Adviser Services Investment Loan is provided by the Commonwealth Bank of Australia ABN 48 123 123 124, administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. Applications are subject to credit approval. Fees and charges apply. This information forms part of the Investment Loan Product Disclosure Statement (PDS) for CommSec Adviser Services Investment Loans.

Please consider the Investment Loan Product Disclosure Statement before making any decisions about whether to acquire the financial product. Only investors who fully understand the risks associated with gearing into investments should apply.

^Taxation outcomes can vary according to individual circumstances and are subject to changes in legislation.

This information was prepared by CommSec Adviser Services, a brand of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945, administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 80 067 254 399 AFSL 238614, a Participant of the ASX Group and Chi-X Australia. Only investors who fully understand the risks associated with gearing into investments should apply. Applications are subject to credit approval. Fees and charges apply. Please consider the Product Disclosure Statement (PDS) and Terms and Conditions, issued by the Bank before making any decision about the product.