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Business Solutions > Investments > Structured & Alternative Investments > NAB Limited Recourse Loan

NAB Limited Recourse Loan

You can use a NAB Limited Recourse Loan to invest in selected Specialised Investments offers.

The NAB Limited Recourse Loan allows approved investors, including superannuation funds, to borrow a portion of the principal required to make an investment in Approved Investments.

Using a NAB Limited Recourse Loan can increase your exposure to your chosen investment.

Find out more by downloading the NAB Limited Recourse Loan Booklet (PDF). You must read the Disclosure Document, Product Brochure and Investment Loan Booklet (including the Investment Loan Agreement and Investment Trust Deed) in full prior to completing an Investment Loan Application Form.

For more information about using a NAB Limited Recourse Loan, contact NAB Specialised Investments on 1800 032 088 or email specialised.investments@nab.com.au

Completed applications should be sent to:
NAB Specialised Investments,
Level 20, 255 George St,
SYDNEY NSW 2000
How to Apply

Step 1: Determine the Approved Investment you would like to invest in and carefully consider the relevant Disclosure Document

Step 2: Review the methods for calculating interest of the Approved Investment/s and the indicative interest rates.

Step 3: Complete the Investment Loan Application Form

Step 4: Submit the Investment Loan Application Form to NAB. NAB will review your Application and will advise you of the outcome.

 Key benefits

  • Eligible borrowing for Superannuation Funds - refer to the Investment Loan Booklet for more detail.
  • Gearing - you can increase the size of your investment portfolio and magnify the potential returns on your investment.
  • Limited recourse - you will not have to repay more than the value of your investment if you default in payment at any time; or the value of your investment at Maturity Date or any applicable prepayment date is less than the amount of your Investment Loan.1
  • No margin calls - you can borrow to invest in Approved Investments without exposure to margin calls in respect of the Investment Loan.
  • Maximum Loan to Valuation Ratio of 60% - with a minimum loan amount of $10,000.

Further Information

  • Investment Considerations - like other investment strategies, limited recourse borrowing involves an element of risk. Just as there is potential for growth in the value of the Approved Investment/s, there is also potential for loss. Markets can be volatile and can fall as well as rise. It is important that you consider your individual financial circumstances.2
  • Loan Establishment Fee - an upfront Loan Establishment Fee of up to 2% ofthe Investment Loan Amount may be payable to an Adviser. This fee will be paid in addition to the Contribution Amount on the Approved Investment. The default Loan Establishment Fee is zero percent (0%).

1. However, you must repay all that you owe NAB if you wish to retain your investment on the Maturity Date or after any applicable prepayment date.
2. Some key risks have been highlighted in the Investment Loan Booklet and Disclosure Document. You should read these before making any decision to apply for a NAB Limited Recourse Loan is respect of Approved Investments. However, these are not the only risks faced by a potential investor. Accordingly, we strongly recommend that you talk to your legal, financial or tax adviser to determine if using limited recourse borrowing is right for your particular circumstances and to understand the risks involved before you enter into a NAB Limited Recourse Loan. We have not in any way considered the suitability of the NAB Limited Recourse Loan for you and you should not infer that we are providing personal investment or tax advice in making the NAB Limited Recourse Loan available to you.

All loan applications are subject to approval. NAB will generally approve individual or joint applications within 48 hours of receipt of the application. Applications from companies and trustees on behalf of trusts may take longer to approve. Please note any incomplete information may delay the establishment of your Loan.