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NAB Margin Loan


Greater diversity. Dedicated service.
Better value.

Greater diversity

Access a broad range of investment options.

Dedicated service

A dedicated relationship manager assigned to you.

Better value

Competitive fixed and variable rates for all products.

Try the new


to see how market

movements may impact

your portfolio

benefits & Risks

Benefits of a margin loan


Leverage may amplify gains in a rising market.

Increase income

By borrowing to invest, investors may be able to generate more income. 

Flexibility and choice

Flexibility for the investor to choose the transaction size - start investing with a smaller deposit than usually needed for property.

Tax effective

Potential to claim ongoing interest expenses or pay your interest up front, and the potential to reduce income liabilities through franking credits.

Risks of a margin loan

Margin calls

If a portfolio's value falls so that the amount of equity an investor holds also falls below our required levels, we may ask for extra security or funds to be deposited. If an investor fails to do this, we may sell their assets to correct the position.

Reduced gearing levels

We regularly review our lending ratios and may decrease them, even for securities an investor already owns. When that happens, it can sometimes trigger a margin call.

Suspended securities

If an investor's securities get suspended from trading we may ask them to deposit additional funds or securities. 

Increased rates

If an investor has a variable interest rate on their loan, it may increase. To manage this risk, investors should ensure they gear conservatively and have enough capital to deal with a rate rise. Investors can manage this risk by offsetting any distributions or income received from securities against the balance of the loan. 

Increased losses

While leverage may amplify gains, it also amplifies any losses in a falling market.


Risk management

Investors can manage these risk by gearing conservatively, diversifying and monitoring investments, and paying interest regularly. 

To help you manage potential risks, try the new ‘What If’ calculator to better understand the impact of market events, individual price fluctuations, loan balance and portfolio changes.

Fees & Rates

NAB Margin Loan 

Variable interest rates (p.a)

Less than $250,000 7.00%                                  
$250,000 - less than $1.0M 6.75%
$1.0M & above 6.50%

Download all interest rates PDF (122KB) - Rates effective from 1 August 2022.

Case studies

Find out how NAB can help accelerate your investment portfolio. 

Take advantage of investment opportunities

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. The decision to sell an existing asset to replace the withdrawn funds can then be done more thoughtfully, without the same level of time pressure. 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.

NAB margin loan

Invest when the
opportunities arise.

International exposure

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 you to invest 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. 

*Only clients of nabtrade, JB Were (ACN 137 978 360 and AFSL 341162) and Macquarie Bank Limited (ABN 46 008 583 542, and AFSL and Australian Credit Licence 237502) can use international shares as loan security.

Nab margin loan

Diversify with global markets.

Apply now

Looking for liquidity

There are times when an investor may need funding for other investment purposes, but selling current investments would realise a large capital gain; creating an undesirable tax liability. 

By pledging the existing portfolio as loan security, a NAB loan facility (NAB Margin Loan or NAB Equity Builder) can advance funds for any eligible business or investment purpose. This may solve two problems for the investor:

  1. It allows the investor to access the desired liquidity now, to be applied to other business or investment purposes, while retaining the existing portfolio, and
  2. It lets the investor control if/when the unrealised capital gain becomes a realised capital gain. 

While a margin loan can increase gains in a rising market, it can also magnify losses when the market declines.

Nab margin loan

Access to liquidity when you need it.

Apply now

Need help?


Call 1300 135 145