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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.

Look for a specific type of margin loan:

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Margin loan comparisons on MozoRates updated daily

  • CommSec Margin Loan (above $20000)

    CommSec Margin Loan (above $20000)

    Variable rate

    7.13%

    Maximum LVR

    75

    Number of approved shares

    493

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    Product info
    • Number of approved funds: 1660
    • Purchase in installments:
    • Transaction fee: $10.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 5.0
    • Margin call grace period: 2pm next business day
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  • BT BT Margin Lending Online (above $20000) (above $20000)

    BT BT Margin Lending Online (above $20000) (above $20000)

    Variable rate

    7.17%

    Maximum LVR

    75

    Number of approved shares

    395

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    Product info
    • Number of approved funds: 1810
    • Purchase in installments:
    • Transaction fee: $5 free monthly then $5, all free if $250k average monthly acct balance
    • Prepaid interest refundable:
    • Margin call buffer (shares): 10.0
    • Margin call grace period: 2pm next business day
    Need more information?
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  • ANZ Share Investment Loan ($20000 to $249999)

    ANZ Share Investment Loan ($20000 to $249999)

    Variable rate

    7.34%

    Maximum LVR

    80

    Number of approved shares

    819

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    Product info
    • Number of approved funds: 1122
    • Purchase in installments:
    • Transaction fee: $0.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 5.0
    • Margin call grace period: close of trade next trading day
    Need more information?
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  • Suncorp Margin Loan ($20000 to $499999)

    Suncorp Margin Loan ($20000 to $499999)

    Variable rate

    7.14%

    Maximum LVR

    75

    Number of approved shares

    451

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    Product info
    • Number of approved funds: 1839
    • Purchase in installments:
    • Transaction fee: $0.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 5.0
    • Margin call grace period: 2pm next business day
    Need more information?
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  • Leveraged Equities Margin Loan (above $20000)

    Leveraged Equities Margin Loan (above $20000)

    Variable rate

    7.35%

    Maximum LVR

    80

    Number of approved shares

    626

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    Product info
    • Number of approved funds: 2364
    • Purchase in installments:
    • Transaction fee: $0.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 10.0
    • Margin call grace period: 24hrs
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  • BT Standard BT Margin Loan (above $20000)

    BT Standard BT Margin Loan (above $20000)

    Fixed 1 year rate

    6.49%

    Maximum LVR

    75

    Number of approved shares

    395

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    Product info
    • Fixed 6 month rate: 6.49%
    • Fixed 2 year rate: 6.64%
    • Fixed 3 year rate: 6.79%
    • Fixed 4 year rate: 6.94%
    • Fixed 5 year rate: 7.09%
    • Number of approved funds: 1810
    • Purchase in installments:
    • Transaction fee: $0.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 10.0
    Need more information?
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    More info

  • CommSec Margin Loan (above $20000)

    CommSec Margin Loan (above $20000)

    Fixed 1 year rate

    6.95%

    Maximum LVR

    75

    Number of approved shares

    493

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    Product info
    • Fixed 6 month rate: 7.10%
    • Fixed 2 year rate: 7.10%
    • Fixed 3 year rate: 7.40%
    • Fixed 4 year rate:
    • Fixed 5 year rate: 7.70%
    • Number of approved funds: 1660
    • Purchase in installments:
    • Transaction fee: $10.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 5.0
    Need more information?
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  • Suncorp Margin Loan ($20000 to $499999)

    Suncorp Margin Loan ($20000 to $499999)

    Fixed 1 year rate

    6.49%

    Maximum LVR

    75

    Number of approved shares

    451

    Go to site
    Product info
    • Fixed 6 month rate: 6.23%
    • Fixed 2 year rate: 6.83%
    • Fixed 3 year rate:
    • Fixed 4 year rate:
    • Fixed 5 year rate:
    • Number of approved funds: 1839
    • Purchase in installments:
    • Transaction fee: $0.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 5.0
    Need more information?
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  • ANZ Share Investment Loan ($20000 to $249999)

    ANZ Share Investment Loan ($20000 to $249999)

    Fixed 1 year rate

    7.15%

    Maximum LVR

    80

    Number of approved shares

    819

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    Product info
    • Fixed 6 month rate: 7.15%
    • Fixed 2 year rate:
    • Fixed 3 year rate:
    • Fixed 4 year rate:
    • Fixed 5 year rate:
    • Number of approved funds: 1122
    • Purchase in installments:
    • Transaction fee: $0.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 5.0
    Need more information?
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    More info

  • Leveraged Equities Margin Loan (above $20000)

    Leveraged Equities Margin Loan (above $20000)

    Fixed 1 year rate

    7.05%

    Maximum LVR

    80

    Number of approved shares

    626

    Go to site
    Product info
    • Fixed 6 month rate:
    • Fixed 2 year rate: 7.20%
    • Fixed 3 year rate: 7.35%
    • Fixed 4 year rate: 7.55%
    • Fixed 5 year rate: 7.65%
    • Number of approved funds: 2364
    • Purchase in installments:
    • Transaction fee: $0.00
    • Prepaid interest refundable:
    • Margin call buffer (shares): 10.0
    Need more information?
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