Investing and building wealth with financial assets


3 different investment solutions


Access domestic and international shares


Ideal for investors with a long term investment horizon


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.


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NAB Equity Builder

A principal and 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.

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NAB Margin Loan

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 eligible business or investment purpose.

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NAB Super Lever

A margin loan and LRBA designed specifically for self-managed super funds (SMSFs) who want to borrow to acquire shares or managed funds.

More information on equity lending

Interest rates

View our competitive interest rates for all products.

View our Interest Rates

Approved investments

Our list includes ASX and international equities, exchange traded funds, and unlisted managed funds.

View our approved investments list

Forms and resources

Access the forms and brochures you’ll need to apply and operate your facility.

View our forms and resources

Help and FAQs

Find out more about the benefits of margin lending - when to use it and how to manage the risks.

Read our FAQs

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 variable debit interest rates are effective from 1 June 2022. All fixed interest rates are effective from 23 May 2022. All credit interest rates are effective from 1 May 2020. All rates are subject to change at any time. 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 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 and 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.

©2020 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence


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