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

NAB Margin Loan

By borrowing to invest, you have access to ASX and international securities, exchange traded funds, managed funds, hybrids and more.

Why choose NAB Margin Loan

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.

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 risks 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.

Interested in a NAB Margin Loan?

Start your discovery into new investment opportunities with a NAB Margin Loan.

Apply today with our online application form.

NAB Margin Loan interest rates 

Variable interest rates (p.a.)

Less than $250,00010.00%
$250,000 - less than $1.0M9.75%
$1.0M & above9.50%

Download all interest rates PDF (123KB) - Rates effective from 1 March 2024.

 1 year (p.a.)2 years (p.a.)3 years (p.a.)4 years (p.a.)5 years (p.a.)
Less than $250,0009.80%9.90%10.00%10.20%10.35%
$250,000 - less than $500,0009.60%9.70%9.80%10.00%10.15%
 $500,000 - less than $1.0M9.40%9.50%9.60%9.80%9.95%
$1.0M & above9.20%9.30%9.40%9.60%9.75%

 1 year (p.a.)2 years (p.a.)3 years (p.a.)4 years (p.a.)5 years (p.a.)
Less than $250,0009.87%9.97%10.07%10.27%10.42%
$250,000 - less than $500,0009.67%9.77%9.87%10.07%10.22%
 $500,000 - less than $1.0M9.47%9.57%9.67%9.87%10.02%
$1.0M & above9.27%9.37%9.47%9.67%9.82%

Cash Management Account - effective from 1 December 2023.

2.80% 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.

Contact us



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


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