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With NAB Margin Lending, you can borrow funds for investment purposes by using your approved existing shares, managed funds or cash as security. By leveraging against your existing assets you can potentially improve your investment returns and reach your financial goals sooner.
Minimum loan amount
Customise your Facility to meet your needs
Gearing options to considerThe role of your broker
Minimum loan amount
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You can apply for a minimum loan amount of $20,000 for either a variable or fixed rate loan.
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For a loan that includes a combination of variable and fixed rates, the minimum loan amount on the fixed rate component of the loan is $20,000.
You can tailor your NAB Margin Lending Facility to meet your individual needs by using a range of features such as interest rate options as outlined below, gearing options and call options.
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Interest rate options |
How margin lending works |
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Variable rate loans
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Paid monthly in arrears
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- Interest will be automatically charged to the loan account or any other account nominated by you that is acceptable to us.
- No regular repayments of the loan are required.
- Funds are withdrawn from (when buying investments), and deposited to (when selling investments) your loan account.
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Fixed rate loans
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Paid monthly in arrears (1 to 5 year terms)
OR
Paid yearly in advance (1 to 5 year terms)
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- When you elect to fix the interest rate on a portion of your NAB Margin Lending Facility, that portion is fully advanced and the proceeds are deposited into a NAB Margin Lending Cash Management Account that is automatically opened in your name. The NAB Margin Lending Cash Management Account pays interest that is calculated daily and paid monthly.
- For interest in advance loans, you need to provide us with details of the means by which the yearly interest charge will be met, either by direct debit or cheque.
- For interest in arrears loans, the monthly interest cost will be automatically charged to your Cash Management Account, or any other account nominated by you that is acceptable to us.
- For a fixed rate only loan, the funds are withdrawn from (when buying investments), and deposited to (when selling investments) your Cash Management Account. The balance in your Cash Management Account forms part of the security of your loan.
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Combination loan
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A combination of variable rate and fixed rate options
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If you choose to combine both fixed rate and variable rate loans within the one NAB Margin Lending Facility, the minimum loan amount for the fixed rate component of your loan must be at least $20,000.
For example, you may apply for a Facility limit of $100,000, comprising:
- a variable rate loan ($50,000)
- a 3 year fixed interest rate in advance loan ($30,000)
- a 1 year fixed interest rate in arrears loan ($20,000)
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There are two main ways of gearing your investments - Lump Sum gearing and Instalment gearing.
Where you have an existing broker, there is generally no need to change this relationship. The buying and selling of shares can be conducted through any broker who will settle with a margin lender.
If you don't have an existing relationship with a broker and would like to trade online yourself, you may like to register with NAB OnLine Trading.
About NAB Margin Lending
How does NAB Margin Lending work?
Key benefits and risks of gearing using margin lendingHow much can I borrow?Interest rates and feesApproved Investment ListApply nowLearning centreNAB Margin Lending homepage
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