Money magazine: Consumer Finance Awards 2025, Margin Lender of the Year. The winner was judged by Rainmaker Information to achieve the highest score across core dimensions, spanning product and investment choice breadth, depth, research services, type of investment available, access to international markets and interest rates payable on loan products.
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Reasons to choose a NAB Margin Loan
Competitive pricing
Enjoy competitive interest rates and no ongoing service fees.
Integration with nabtrade
Link your NAB Margin Loan directly with your nabtrade account.
International equities
Access to 700+ approved international equities.
Margin Lender of the Year
Make your move with an award winning NAB Margin Loan and amplify your investing power.
Product in focus: NAB Equity Builder
A 'no margin call' principal and interest loan for investing in ETFs.
Flexible terms
Flexible loan terms from 3 – 10 years.
Investment choice
Over 1000+ approved investments to choose from.
Great rates
Loans starting from $20k and a 2.0% special discount.
About Margin Lending
Margin lending is a gearing solution where investors can borrow funds secured by a portfolio of listed securities and/or managed funds.
With a margin loan investors provide existing approved investments in shares, managed funds or cash as their deposit for the loan. They can then use the borrowed money to increase their exposure.
Borrowing to invest adds additional risk to owning a portfolio. It is important that you consider your individual financial circumstances and risk tolerance.
Approved Investment List
To see what managed investments NAB may lend against as part of a NAB Margin Loan facility, please refer to the Approved Investments list.
Benefits
Gains
Leverage may amplify gains in a rising market.
Liquidity
Having access to a flexible line of credit can improve your ability to take advantage of investment opportunities when they arise.
Flexibility and choice
You can tailor the transaction size to meet your investment needs.
Tax effective
Potential to claim a tax deduction on your interest costs and pay interest in advance.
Risks
Losses
While leverage may amplify gains as the value of your investments increase, it also amplifies any losses in a falling market.
Margin calls
If your portfolio's value falls so that the amount of equity you hold also falls below our required levels, we may ask for extra security or funds to be deposited. If you fail to do this, we may sell your assets to correct the position.
Interest rate increases
If you have a variable interest rate loan, the rate may increase at any time.
Pricing
| Balance | Variable rate p.a. | Fixed rate (1 yr p.a.) - Interest yearly in advance | Fixed rate (1 yr p.a.) - Interest monthly in arrears |
|---|---|---|---|
| Less than $250,000 | 8.50% | 7.90% | 7.97% |
| $250,000 - less than $500,000 | 8.25% | 7.70% | 7.77% |
| $500,000 - less than $1.0m | 8.15% | 7.50% | 7.57% |
| $1.0m & above | 8.00% | 7.30% | 7.37% |
Download all interest rates (PDF, 96KB). Interest rates effective from 2 June 2025. Fixed rates apply to new loans only.
National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB) is the issuer of the CMA and the NAB Equity Lending Facility and recommends you consider the PDS for both of these products before making any decisions regarding these products. The PDS documents are available at nab.com.au/equitylending.
NEXT STEPS
Opening a margin loan linked with nabtrade
Step 1:
Open a new nabtrade account and select margin loan under 'How would you like to pay for your trades?' when completing the application form.
Step 2:
Once you’ve completed the nabtrade application form, you'll then need to complete the NAB Margin Loan application. Our Margin Lending team will contact you to finalise the setup of your loan.
Step 3:
When the information is received, we’ll set up your NAB Margin Loan Facility.
Important note: new loan applications
Due to increased trading activity, processing of new loan applications will take longer than normal. We apologise for any inconvenience but will endeavour to get to these as soon as possible.
Other NAB investment lending products
NAB Super Lever
An investment loan designed specifically for self-managed super funds (SMSF). Borrow using your SMSF to invest in shares or managed funds.
NAB Equity Builder
A ‘no margin call’ solution for investors who prefer the discipline of paying off a loan in a set time frame. Customise each loan to suit your particular investment goals.
For more information about NAB Super Lever or NAB Equity Builder visit www.nabmarginlending.com.au or call 1300 135 145.