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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.
To see what managed investments NAB may lend against as part of a NAB Margin Loan facility, please refer to the Approved Investments list.
Leverage may amplify gains in a rising market.
Having access to a flexible line of credit can improve your ability to take advantage of investment opportunities when they arise.
You can tailor the transaction size to meet your investment needs.
Potential to claim a tax deduction on your interest costs and pay interest in advance.
While leverage may amplify gains as the value of your investments increase, it also amplifies any losses in a falling market.
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.
If you have a variable interest rate loan, the rate may increase at any time.
|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||9.00%||9.10%||9.17%|
|$250,000 - $500,000||8.75%||8.90%||8.97%|
|$500,000 - less than $1m||8.65%||8.70%||8.77%|
|$1m & above||8.50%||8.50%||8.57%|
Download all interest rates (PDF, 96KB). Interest rates effective from 1 December 2023. 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.
Open a new nabtrade account and select margin loan under 'How would you like to pay for your trades?' when completing the application form.
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.
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.