The information provided in this website is intended to be of a general nature only. Any advice in this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice in this website, 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 in this website. The taxation information contained in this website is of a general nature. The tax consequences of investing will depend on your particular circumstances. We recommend that you seek professional tax advice before applying for a NAB Super Lever facility.
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. NAB Equity Lending recommends you speak to your financial adviser before deciding to invest.
It’s important to be aware that while a margin loan can increase gains, it can also magnify losses. As NAB Super Lever is a limited recourse margin loan, the SMSF’s loss is limited to the investments purchased with funds advanced under the NAB Super Lever facility. If the acquired asset needs to be sold to correct a margin call, and the sale proceeds from selling the asset doesn’t completely repay the loan, the individual fund members will need to repay the residual loan balance from sources other than their SMSF.
SMSFs should also be aware of their obligation as trustee of a superannuation fund to formulate and implement an appropriate investment strategy that considers the whole circumstance of the fund and to act in the best interests of the members of the fund. This includes ensuring they’re familiar with the risks involved and have in place adequate risk management procedures to manage the risks associated with borrowing to fund an investment. Relevant to this consideration will be the risks of a leveraged investment and factors such as the diversification of the assets of the superannuation fund and the overall level of gearing of the fund.
It’s recommended that investors take the time to do their research, read the Product Disclosure Statement (PDS) and talk with their financial adviser before deciding to invest.
All variable debit interest rates are effective from 1 October 2018. All fixed interest rates are effective from 21 May 2018. All credit interest rates are effective from 1 October 2018. 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 nabmarginlending.com.au or contact NAB Equity Lending on 1300 135 145.
This website is not a substitute for reading the NAB Super Lever Product Disclosure Statement and Facility Terms. A PDS is available for the NAB Super Lever Facility. NAB is the issuer of the Facility and recommends you consider the PDS before making any decisions. The PDS document is available via our website at or by calling NAB Equity Lending on 1300 135 145.