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MARGIN LOANS

  • Margin lending can make the most of your savings by maximising your investment opportunities. But make sure you make the most of your margin lender. Compare the margin loan market in seconds to find the best interest rates and features to suit your investment needs.

  • What is margin lending?

    Margin loans let you borrow money to put towards an investment. You can earn more from dividends and share-price gains by effectively investing the loaned amount. However, you can also lose money more quickly should your shares drop in value.

  • What interest rates will I have to pay on debt consolidation loans?

    The interest rate on debt consolidation loans will depend on a number of factors including whether you are taking out a secured or unsecured debt consolidation loan. A secured loan will usually have a lower rate because you are putting up an asset as security.

  • For example - You might have $20,000 to start an investment portfolio, and choose to borrow a further $60,000. By investing well, you could reap four times the profits you would otherwise have earned from your equity. So a gain of 5% in the value of your share price - or $4000 from your $80,000 investment - amounts to a 20% gain on your initial equity."

  • The risks of margin lending

    It's not all overnight 20% gains. A drop in share price will see you lose value just as quickly; if it drops too much or too fast, you could lose your initial equity or be forced to cover the losses with further funds.

  • Margin loan rates

    As the lender charges fixed or variable interest on your margin loan, you'll want to get a nice low interest rate for your investment so all those gorgeous profits aren't eaten up by the cost of the margin loan.

    Search the whole market now for the best margin loan interest rates, or compare margin lending features from different providers

  • Margin lending explained

    Margin loans are not a risk-free investment strategy, and you'll want to read up on margin lending - and perhaps talk to a financial advisor - before diving in.

    Thankfully, Mozo has a quick guide to Australian margin loans to get you started.

Margin loans on the Mozo site

    • BT
      BT Margin Lending Online (above $20000) (above $20000)
    • variable rate

      7.67%

    • maximum lvr

      75

    • number of approved shares

      395

    • Go to site
    More info
    • ANZ
      Share Investment Loan ($20000 to $249999)
    • variable rate

      7.84%

    • maximum lvr

      80

    • number of approved shares

      819

    • Go to site
    More info
    • CommSec
      Margin Loan (above $20000)
    • variable rate

      7.63%

    • maximum lvr

      75

    • number of approved shares

      493

    • Go to site
    More info
    • Suncorp
      Margin Loan ($20000 to $499999)
    • variable rate

      7.74%

    • maximum lvr

      75

    • number of approved shares

      451

    • Go to site
    More info
    • Leveraged Equities
      Margin Loan (above $20000)
    • variable rate

      7.85%

    • maximum lvr

      80

    • number of approved shares

      626

    • Go to site
    More info
    • BT
      Standard BT Margin Loan (above $20000)
    • fixed 1 year rate

      6.99%

    • maximum lvr

      75

    • number of approved shares

      395

    • Go to site
    More info
    • CommSec
      Margin Loan (above $20000)
    • fixed 1 year rate

      7.20%

    • maximum lvr

      75

    • number of approved shares

      493

    • Go to site
    More info
    • ANZ
      Share Investment Loan ($20000 to $249999)
    • fixed 1 year rate

      7.40%

    • maximum lvr

      80

    • number of approved shares

      819

    • Go to site
    More info
    • Suncorp
      Margin Loan ($20000 to $499999)
    • fixed 1 year rate

      6.95%

    • maximum lvr

      75

    • number of approved shares

      451

    • Go to site
    More info
    • Leveraged Equities
      Margin Loan (above $20000)
    • fixed 1 year rate

      7.65%

    • maximum lvr

      80

    • number of approved shares

      626

    • Go to site
    More info

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Margin loan guides

Learn how margin loans can maximise your investment opportunities. Get the low down on the risks and rewards involved.