Joint applications are temporarily unavailable online. Please contact NAB Equity Lending for further assistance.

NAB Equity Builder

A principal and interest investment loan that can be used to invest in a range of approved investments.

Why choose NAB Equity Builder

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.

About NAB Equity Builder

NAB Equity Builder is a ‘no margin call’ investment loan that gives you more capital to invest in financial assets such as exchange traded funds (ETFs), listed investment companies (LICs) and managed funds. 

  • A principal & interest investment loan for managed investments
  • A flexible loan term from 3 – 10 years
  • Monthly repayments with early pay off possible
  • A variable interest rate
  • No margin call and no ongoing fees

Invest your borrowed funds any time and from any amount starting from $10K.

Once you’ve paid off your loan, you have lots of options. You can keep your portfolio of assets as an additional income stream, reinvest or take some profits to spend on the things that matter to you.

In the media

Noel Whittaker gives thumbs up to NAB Equity Builder.

NAB Equity Builder Rates

Variable interest rate p.aSpecial rate ^

- Standard variable rates effective from 1 December 2023.

^The special rate for variable loans applies to new NAB Equity Builder facilities drawn from 1 December 2023. The discount will apply for the life of the loan, or until varied or withdrawn by NAB. 

The following fees may apply to some clients:

Establishment fees

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

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.


Adviser stories: Ian Fox

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

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

Similar to a home loan, monthly repayments must be made consistently. If you miss a monthly repayment, your investments may be sold. This may have capital gains tax (CGT) implications.

Increasing interest rates

If the interest rate increases, your principal and interest repayments may be greater than what you originally budgeted for.

Changes to approved investment lists

If one of your chosen investments is removed from the Approved Investment List, you may need to switch to another investment. The sale of an existing investment may have capital gains tax (CGT) consequences.

Investors who borrow should be comfortable with the risk they’re taking. It’s important to understand that gearing magnifies both the potential for gains and losses in assets, which can both increase and decrease in value.


Investment loan repayment calculator

Equity Builder Calculator

Contact us



1300 135 145
(from outside Australia:
+61 3 8903 9912)


Monday - Friday
8.30am - 5.00pm (AEST/ADST)