It works in a similar way to borrowing money to purchase a home or investment property. You borrow money to invest in a portfolio of listed securities and/or managed funds. The borrowed funds are then secured against the portfolio of financial assets.
By borrowing to invest in financial assets, you’ll be able to access a range of opportunities from around the world and possibly grow your investment into a profitable portfolio or an additional income stream.
You may also be able to reduce you taxable income depending on your circumstances. Interest paid on an investment loan is generally tax deductable when the loan is used to invest in managed funds or shares.
A principal & interest investment loan to acquire managed investments. Ideal for goal-oriented investors who have a savings goal they’d like to achieve within a certain time frame.
A lending solution secured by shares or managed funds. Investors may contribute cash or an existing portfolio in order to access borrowed funds for any business or investment purpose.
A margin loan and LRBA designed specifically for self-managed super funds (SMSFs) who want to borrow to acquire shares or managed funds.
Our list includes ASX and international equities, exchange traded funds, and unlisted managed funds.
Access the forms and brochures you’ll need to apply and operate your facility.
Find out more about the benefits of margin lending - when to use it and how to manage the risks.
Important information
The information provided on this web page is intended to be of a general nature only. Any advice on this page has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this page, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any information on this web page. The taxation information contained is of a general nature only. The tax consequences of investing will depend on your particular circumstances. We recommend that you seek professional tax advice before applying for any investment loan such as a NAB Margin Loan, NAB Equity Builder or NAB Super Lever.
All rates are subject to change. All variable debit interest rates are effective from 1 May 2020. All credit interest rates are effective from 2 June 2020. Fees and charges may apply. Full details of these and the relevant terms and conditions are available on application. For further information and current interest rates go to nabmarginlending.com.au or contact NAB Equity Lending on 1300 135 145.
There are risks associated with borrowing to invest. Some of these include, but are not limited to, rising interest rates, changes in taxation law and movements in the prices of your investments which may have an effect on your financial position. While a margin loan or principal & interest investment loan can increase gains in a rising market, it can also magnify losses if the market declines. NAB recommends you speak to your financial adviser before deciding to invest.
NAB is the issuer of NAB Equity Builder, NAB Margin Loan and NAB Super Lever, and recommends you consider the relevant Facility Terms and Product Disclosure Statement (PDS) before making any decisions.
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