NAB Equity Lending
A MARGIN LOAN DESIGNED FOR SELF-MANAGED SUPER FUNDS
NAB Super Lever
Benefits of NAB Super Lever
Limited recourse
NAB’s recourse against the SMSF is limited to the acquired asset held as loan security, in addition to this maximums apply to the value of assets acquired.
Contributions
Borrowing funds to acquire an asset under a limited recourse borrowing arrangement does not increase the net capital value of your SMSF, so it should not result in a contribution to your fund for ATO purposes.
Simplicity and flexibility
If you decide to make an investment, you simply send us a form with your investment request and arrange to provide the required cash contribution. Also, the required Security Trust structure is provided within NAB Super Lever.
As the SMSF trustee, you can choose:
- Your investment from a broad range of approved investments
- Your preferred gearing level
- Whether to capitalise loan interest
- Whether to make use of non-SMSF security to support a loan via a guarantee, and
- When to repay the loan.
Unconditional access to investment distributions
Cash dividends and distributions flow directly to you as the beneficial owner of the financed investment.
These income flows are available for you to reinvest within your SMSF, or you may choose to reduce an existing NAB Super Lever loan balance.
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.
INTEREST RATES
NAB Super Lever
Variable interest rates (p.a.)
| Less than $250,000 | 9.50% |
|---|---|
| $250,000 - less than $1.0M | 9.25% |
| $1.0M & above | 9.00% |
Download all interest rates PDF (123KB) - Variable rates effective from 2 June 2025
| 1 year (p.a.) | 2 years (p.a.) | 3 years (p.a.) | 4 years (p.a.) | 5 years (p.a.) | |
|---|---|---|---|---|---|
| Less than $250,000 | 8.90% | 9.00% | 9.25% | 9.50% | 9.70% |
| $250,000 - less than $500,000 | 8.70% | 8.80% | 9.05% | 9.30% | 9.50% |
| $500,000 - less than $1.0M | 8.50% | 8.60% | 8.85% | 9.10% | 9.30% |
| $1.0M & above | 8.30% | 8.40% | 8.65% | 8.90% | 9.10% |
| 1 year (p.a.) | 2 years (p.a.) | 3 years (p.a.) | 4 years (p.a.) | 5 years (p.a.) | |
|---|---|---|---|---|---|
| Less than $250,000 | 8.97% | 9.07% | 9.32% | 9.57% | 9.77% |
| $250,000 - less than $500,000 | 8.77% | 8.87% | 9.12% | 9.37% | 9.57% |
| $500,000 - less than $1.0M | 8.57% | 8.67% | 8.92% | 9.17% | 9.37% |
| $1.0M & above | 8.37% | 8.47% | 8.72% | 8.97% | 9.17% |
Cash Management Account - effective from 2 June 2025
2.30% p.a.
This rate also applies to credit balances in a NAB Equity Lending variable rate loan.
The following fees may apply to some clients:
Establishment fees | |
| Individual and joint applicants | $0 |
| Trustee applicant (Individual) | $150 |
| Trustee applicant (Company) | $300 |
| Company guarantor | $150 |
| Tasmanian residents (Applicants or guarantors): All applicants and guarantors residing in Tasmania are subject to a State Government charge to cover stamping and registration of the Power of Attorney. Contact NAB Equity Lending for further information. | |
Other Fees
Instalment gearing
A fee may be incurred for instalment gearing under certain circumstances (for example, if a client terminates the arrangement within the first 12 months).
Economic costs
Early repayments of a fixed rate loan (including a conversion to a variable rate loan) may be subject to payment of economic costs.
Default interest
Default interest may be charged on any loan amount that exceeds the approved facility limit. Default interest is charged at NAB Equity Lending's published variable rate for loans of less than $250,000 plus a margin of 2.0%(p.a.). Therefore, if the variable rate for loans less than $250,000 changes, so will the default interest rate.
HELP AND SUPPORT
Contact us
Call
1300 135 145
(from outside Australia:
+61 3 8903 9912)
Monday - Friday
8.30am - 5.00pm (AEST/ADST)
equity.lending@nab.com.au