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Borrowed funds on standby for your next investment opportunity.

Borrow to invest – apply now, invest later

Flexible loan terms from 3 – 10 years

Loans starting from $20k and a 2.0% special discount

Over 1000+ approved investments to choose from

NAB Equity Builder

An award winning ‘no margin call’ investment loan for managed investments like ETFs, LICs, SMAs and managed funds.

  • Principal and interest investment loan 
  • No margin call, just monthly repayments only (with early pay off possible)
  • Loan security is the managed investments 

NAB Equity Builder works like a property loan with principal and interest monthly repayments. The bank holds a mortgage over the investment until the loan is paid off. Once the loan is fully paid the assets are 100% owned by you. 

And with interest rates at an all-time low, borrowing may be a cost-effective strategy for investors looking to increase their exposure to diversified investment options.

Flexible investing

With NAB Equity Builder – you can apply now and invest later, or whatever works best for you. Once your loan is approved, you can:

  • Acquire investments all at once
  • Sit and wait for the right opportunity
  • Break it up into smaller investments over time (the minimum loan draw down is $10k)

NAB Equity Builder is more suited to investors with a long term investment horizon of 3 – 10 years and with any investment decision you make, remember to consider the risks. 

It’s important to know that investing in the share market carries risk and requires a long-term focus as many variables can cause volatility, both down and up. Borrowing to invest can be an effective wealth building strategy but gearing can magnify the potential for both gains and losses in assets.   

Interest rates, plus a 2.0% discount

Variable rate p.a. Special rate^
7.00% 5.00%

Standard variable rates effective from 1 August 2022.

^The special offer rate is 2% discount off the standard variable rate and is available for the life of the loan. See Important Information below for more details.

Approved Investment List

To see what managed investments NAB may lend against as part of a NAB Equity Builder loan facility, please refer to the Approved Investments list.


Watch an overview

Learn how NAB Equity Builder works and how it could help you build wealth by borrowing to invest in managed investments.

Next steps Apply for NAB Equity Builder

1. Read and ensure you understand the:

2. Complete the application form

3. Lodge security or cash against your loan

4. Complete an order to purchase an investment with your loan

For any queries or help with your NAB Equity Builder application, please email or call the NAB Equity Lending team on 1300 135 145.


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.


Investments may be sold

Monthly repayments must be made consistently. If a repayment is missed a portion of the loan assets (the investments used to secure the loan) may be sold to correct the position or repay the loan. For example, if you miss a repayment of $100, then $100 worth of investments may be sold to correct the position. This may have capital gains tax consequences.


Increasing interest rates

Increases in interest rates may result in your monthly loan interest payments (in combination with your monthly principal repayment obligation) being greater than you budgeted for.


Changes to approved investment lists

This may create the need to switch into a new approved investment. The sale of an existing investment may trigger CGT consequences.


Falling interest rates

This may place a greater burden on your other sources of available cash.


nabtrade and NAB Equity Builder


You may be able to use an investment you hold in nabtrade as security against a NAB Equity Builder loan.

NAB Equity Builder lends against 21 listed ETFs and 3 LICs.

Check the approved investment list to see if your investments are on the list. 

nabtrade Total Wealth

Add NAB Equity Builder investments into nabtrade Total Wealth as an off-platform asset and view it alongside your existing portfolio.

If what you invest in is listed, you’ll also have this priced for you in real time.

NAB internet banking

If you’re a NAB customer, you’ll be able to see everything within Internet Banking.

 View your equity loan balance alongside your banking.

Related content

Unlocking wealth opportunities and NAB Equity Builder case study: Chloe


In the press: Noel Whittaker gives thumbs up to NAB Equity Builder investment loan

Podcast: Saving for the your kids’ education. Saving vs investing and whether borrowing can help


Positive gearing. The better kind (with no margin calls).

How a professional adviser uses NAB Equity Builder for his clients

Find out more about the benefits of margin lending