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Margin lending

Three distinct products

Our suite of products give your clients more choices when tailoring a loan to suit their investment needs.

Access to 2,500+ approved investments 

Our approved investments include ASX listed and international securities, and unlisted managed funds.

Why NAB for investment lending

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Flexible structure

Clients can choose their preferred tax structure – in or out of super.
 

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Asset choice

Access to a range of ASX-listed securities, international equities, bonds and managed funds.

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No margin calls

NAB Equity Builder, designed to give clients the added certainty of no margin calls.

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Product expertise

A dedicated team of professionals available to answer all your questions.
 

Managing your clients' accounts

  • 24/7 access - Enjoy 24/7 online access to your clients’ facilities
  • Stay informed - Pricing updated every 20 minutes for ASX listed securities
  • Identify opportunities - Ability to filter client information to quickly to take advantage of market opportunities

 

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What is margin lending?

Margin lending is a gearing strategy where an investor borrows funds from a lender to invest in a portfolio
of listed securities and/or managed funds.

OUR products

Solving your clients' investment needs

nab margin loan

The share market presents many opportunities to invest. Some opportunities come with a deadline - IPOs, capital raisings, share purchase plans or rights issues.

For the investor willing to take advantage of as many opportunities as possible, the ability to react in a timely fashion will be controlled by the ease of access to funds. 

When an investor’s only source of funds is the sale of existing investments, the decision “to buy” will be compounded by the decision of “what to sell”. The “what to sell” decision can become challenging, particularly if it is done under time pressure.

A margin lending facility, secured by an existing portfolio, can become the source of funds for the full range of investment opportunities. With a NAB Margin Loan investors enjoy:

  • Access to 2,500+ ASX listed securities, exchange traded funds, international listed shares and unlisted managed funds
  • Fund withdrawals
  • Flexible investment options

While a margin loan can increase gains in a rising market, it can also magnify losses when the market declines. Find out more about the risks and benefits of a NAB Margin Loan.

Benefits for investors:
  • Quick access to funds
  • Invest without selling assets

Contact us

NSW/ACT

Adam Rebeira
0476 829 064
adam.rebeira@nab.com.au

QLD/NT

Sean Kelly
0410 348 716
sean.kelly@nab.com.au

WA/SA

Steve Honeywell
0475 964 192
steve.honeywell@nab.com.au

VIC/TAS

Carolyn Beadle
0428 641 904
carolyn.s.beadle@nab.com.au

Business Bank contacts

Gina Saba - NSW
0476 843 515
gina.saba@nab.com.au

Paul Newton - VIC
0448 315 048
paul.m.newton@nab.com.au

nab Margin loan

Just as a margin loan can enable an investor to respond to local investment opportunities, it can also be an efficient way to gain exposure to international investments.

A margin loan through NAB now allows investors in over 1,000 internationally listed companies, depending on the broker. By pledging Australian shares as loan security, borrowed funds can be used to acquire shares in growth sectors globally. 

The same margin loan facility can also accept existing international shares as loan security, and the borrowed funds can be used to acquire ASX securities. With a NAB Margin Loan investors enjoy:

  • Access to domestic and international opportunities
  • Retention of existing assets

While a margin loan can increase gains in a rising market, it can also magnify losses when the market declines. Find out more about the risks and benefits of a NAB Margin Loan.

Benefits for investors:  
  • Diversification through overseas markets
  • Use equity in Australian stocks
  • Access to funds  

CONTACT US

NSW/ACT

Adam Rebeira
0476 829 064
adam.rebeira@nab.com.au

QLD/NT

Sean Kelly
0410 348 716
sean.kelly@nab.com.au

WA/SA

Steve Honeywell
0475 964 192
steve.honeywell@nab.com.au

VIC/TAS

Carolyn Beadle
0428 641 904
carolyn.s.beadle@nab.com.au

Business Bank contacts

Gina Saba - NSW
0476 843 515
gina.saba@nab.com.au

Paul Newton - VIC
0448 315 048
paul.m.newton@nab.com.au

nab equity builder

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 any accumulated superannuation funds.

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.

Benefits for investors: 
  • No margin calls
  • 3-10 year loan terms 
  • No ongoing account fees 

Contact us

NSW/ACT

Adam Rebeira
0476 829 064
adam.rebeira@nab.com.au

QLD/NT

Sean Kelly
0410 348 716
sean.kelly@nab.com.au

WA/SA

Steve Honeywell
0475 964 192
steve.honeywell@nab.com.au

VIC/TAS

Carolyn Beadle
0428 641 904
carolyn.s.beadle@nab.com.au

Business Bank contacts

Gina Saba - NSW
0476 843 515
gina.saba@nab.com.au

Paul Newton - VIC
0448 315 048
paul.m.newton@nab.com.au

NAB Super lever

The desire to use leverage to grow SMSF assets.

The ATO guidelines provided to all SMSF trustees places an expectation on fund trustees that they will balance diversification with the process of maximising returns for the fund. 

For funds over $1m, the borrowing capacity exists to build a portfolio of limited recourse borrowing arrangements (LRBAs). This means that a degree of diversification can be created, even though each loan arrangement is restricted to acquiring a single asset.

The maximum concessional contribution for each fund member is capped, and for some SMSFs, annual member contributions can seem to be a very slow mechanism to grow the value of the fund. The underlying performance of the fund starts to become the dominant driver of fund growth. 

The use of borrowed funds, for SMSFs with the relevant trust deed powers, can be another mechanism where an SMSF trustee can impact the gross value of assets operating within their superannuation fund.

With NAB Super Lever, SMSF trustees can:

  • Borrow to invest into their SMSF
  • Start with a small initial investment
  • Interest payments may be tax deductible

While a margin loan can increase gains in a rising market, it can also magnify losses when the market declines. Find out more about the risks and benefits of a NAB Super Lever.

Benefits for SMSFs: 
  • Repay loan when it suits 
  • The opportunity to truly diversify 
  • Embedded Security Trustee

Contact us

NSW/ACT

Adam Rebeira
0476 829 064
adam.rebeira@nab.com.au

QLD/NT

Sean Kelly
0410 348 716
sean.kelly@nab.com.au

WA/SA

Steve Honeywell
0475 964 192
steve.honeywell@nab.com.au

VIC/TAS

Carolyn Beadle
0428 641 904
carolyn.s.beadle@nab.com.au

Business Bank contacts

Gina Saba - NSW
0476 843 515
gina.saba@nab.com.au

Paul Newton - VIC
0448 315 048
paul.m.newton@nab.com.au

Need help?

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