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NAB Equity Builder

(!) New applications for NAB Equity Builder are currently not being accepted

Please complete the Expression of Interest form to be notified as soon as online applications are open. Timeframes can’t be provided at this stage but our teams are working hard to allow new applications as soon as possible.


Leverage with investment choice,
no margin calls.

More certainty

Eliminate the risks of a
margin call.

Predictable repayments

Principal and interest repayments available.

Greater diversity

Access a broad range of approved investment options.

A ‘no margin call’ investment loan

NAB Equity Builder is a ‘no margin call’ principal & interest investment loan that lets clients borrow to invest in managed investments. 

Adviser stories - Ian Fox

How a professional adviser uses NAB Equity Builder for his clients.

In the media

Noel Whittaker gives thumbs up to NAB Equity Builder. Read the full story.

NAB Equity Builder FAQs

The top 5 commonly asked questions.


Benefits & Risks

Benefits of NAB Equity Builder

Greater control

NAB Equity Builder allows you to customise each loan program to suit your particular investment goals. You can select your preferred investments, starting loan amount, style of principal repayment, and time frame to repay the loan. 

Greater stability

Instead of using your home as security, the managed investments bought/contributed will be held as the loan security. As there are no margin calls, price movements of the security supporting the loan won’t trigger the need for any corrective action (ie the acceleration of loan repayments, or the sale of loan security); regardless of the value of the outstanding loan. 

Increasing loans and diversity

Borrowing to invest can increase the return on your funds, when the investment outperforms the cost of borrowing. It can also allow you to increase your exposure to a preferred investment theme.

Lower borrowing costs

As the NAB Equity Builder loan program requires the consistent repayment of loan principal, the loan balance used to calculate loan interest is constantly decreasing.

Risks of NAB Equity Builder

Investments may be sold
Monthly repayments must be made consistently. If a repayment is missed a portion of the loan assets (the investments used to secure the loan) may be sold to correct the position or repay the loan. For example, if you miss a repayment of $100, then $100 worth of investments may be sold to correct the position. This may have capital gains tax consequences.

Increasing interest rates
Increases in interest rates may result in your monthly loan interest payments (in combination with your monthly principal repayment obligation) being greater than you budgeted for.

Changes to approved investment lists
This may create the need to switch into a new approved investment. The sale of an existing investment may trigger CGT consequences.

Falling interest rates
This may place a greater burden on your other sources of available cash.

 The Target Market Determination for this product is available at

Fees & Rates

NAB Equity Builder Rates

Variable interest rate p.a Special rate^                           
5.75% 3.75%

^The special offer rate is 2% discount off the standard variable rate and is available for the life of the loan.

- Standard variable rates effective from 1 December 2020.
^The special rate for variable loans applies to new NAB Equity Builder facilities drawn from 1 December 2020. The discount will apply for the life of the loan, or until varied or withdrawn by NAB. For NAB Choice Package, NAB Private Package or Portfolio Package clients, this is the maximum discount available when applied in conjunction  with any other offer.





NAB Equity Builder FAQs

1. What is NAB Equity Builder?

NAB Equity Builder is a principal and interest investment loan that’s used to purchase financial assets, specifically managed investments. Managed investments include managed funds, exchange traded funds (ETFs), listed investment companies (LICs) and separately managed accounts (SMAs).

2. How does NAB Equity Builder work?

NAB Equity Builder works similarly to a home loan. With a home loan, you borrow money to purchase property. With an Equity Builder loan, you borrow money to purchase certain types of share market investments (ie exchange traded funds or managed funds). Like a home loan, you pay down the loan with monthly principal and interest repayments. When the loan has been fully repaid you own the investments.

3. Is NAB Equity Builder a margin loan and are there margin calls?

No. NAB Equity Builder is not a margin loan. It’s a principal and interest investment loan with monthly repayments so there’s no risk of margin calls. 

4. Variable or fixed interest rate?

NAB Equity Builder is a variable interest loan only.

5. How do I apply for NAB Equity Builder?

You can apply online anytime and it takes around 10-15 minutes to complete. Before starting your application please have all your financial information ready such as income, assets, liabilities and expenses. Additional information may also be required for NAB to complete the loan assessment.

Other FAQs

Investment Calculator

Case studies

Use the power of leverage while avoiding margin calls


A 'no margin call' solution for investors with long-term goals.

Goal oriented investor looking for certainty

There are some financial goals that emerge with greater clarity; specifically when the size and timing of the financial target are both known. Such targets might include:

  • House deposit
  • School fees
  • A non-concessional superannuation contribution, or
  • Funds to supplement a lifestyle change – prior to authorised access to superannuation.

In the past, a margin loan may have been used for such a purpose, but if gearing levels are not managed carefully, an investor’s accumulated equity may be negatively impacted.

NAB Equity Builder can become a more stable place to accumulate equity, due to its no margin call structure, and the discipline of the regular principal repayment process. Equity is accumulated via additional contributions, progressively reducing both the gearing level, and the potential impact of negative market events closer to the target date.

There are risks associated with this product including falling prices, rising interest rates and falling returns. Find out more about the risks and benefits of a NAB Equity Builder below.

Use our calculator to simulate the monthly repayment obligations for different combinations of loan size and term.

Investment Loan Calculator

"Mini mortgage" - geared exposure to growth assets

NAB Equity Builder recreates the home mortgage scenario, by replacing one indivisible growth asset with a divisible one; a managed exposure to the share market. 

The important difference is that the investor can control the exact size of their investment. This enables the investor to customise the transaction to what they can afford; both deposit wise, and more importantly - from an ongoing repayment perspective.

The median house price for Australia pushed past $650,000 during 2015. This translates into both a substantial sum as an initial deposit, and more importantly- a significant repayment schedule over a long period of time. Even though many still aspire to the dream of home ownership, it is becoming increasingly difficult to attain.

The traditional home mortgage combines the following three elements:

  1. An investment into an asset with the potential for growth.
  2. The use of borrowed funds to create a larger exposure.
  3. A disciplined repayment schedule, which becomes a forced savings plan - as regular equity payments reduce the loan to zero in an agreed timeframe.

There are risks associated with this product including falling prices, rising interest rates and falling returns. Find out more about the risks and benefits of a NAB Equity Builder below.

Use our calculator to simulate the monthly repayment obligations for different combinations of loan size and term.

Investment Loan Calculator

nab equity builder

A principal and interest style loan that works just like a home loan.

Apply now

Looking for certainty

NAB Equity Builder now presents a gearing solution that many margin lending clients would have selected, if it was available when they first used borrowed funds to invest into managed funds. These clients would accept the commitment to steadily repay their loan in their choice of time frame, instead of the commitment to respond to a margin call – if one should occur.

Many current margin lending investors would prefer to completely remove the future possibility of a margin call, while still being able to use borrowed funds to invest into their preferred managed funds. NAB Equity Builder allows investors to:

  • Access borrowed funds to invest into a wide range of managed investments
  • Borrow up to 75% of the value of the investment
  • Automate monthly repayments via direct debit

There are risks associated with this product including falling prices, rising interest rates and falling returns.

nab equity builder

With NAB Equity Builder investors can refinance their existing margin loan into a more stable structure, with the same loan security.

Need help?


Call 1300 135 145