Unlock equity
Harness the borrowing power of your investments to unlock equity without selling your shares.
Borrow to invest
Boost your investing power - borrow cash to invest in your favourite Australian shares, ETFs, or managed funds with a CommSec Margin Loan.
Get in and out easily
Access the capital in your loan security at any time. Plus, enjoy no minimum loan balance requirements.
Access potential tax benefits
By claiming the interest charged on your CommSec Margin Loan, you could gain tax deductions and reduce your tax liability*.
One account, many ways to invest
Discover all the ways you can invest with a CommSec Margin Lending Account.
Invest in Aussie shares >
Invest in the Australian companies you know and love, listed on the ASX.
Invest in ETFs >
Invest in a bundle of shares in a company or sector that you care about.
Invest in managed funds >
Gain access to a professionally managed portfolio. Discover all of CommSec's accepted managed funds.
The low-down on margin lending
With a margin loan, you can:
Buy, sell and transfer cash within your loan’s approved limits.
Watch your gearing level move with the daily price movements of your portfolio and transactions.
Pay interest on your margin loan, based on your loan balance and daily interest calculations.
Borrow against a range of shares and ETFs listed on the ASX and managed funds
Explore our Wholesale Investment Loans
Commonwealth Bank Geared Investments offers investment loans to wholesale customers who meet eligibility criteria.
With a minimum credit limit of $1 million, the Commonwealth Bank Geared Investments Loan for eligible wholesale customers2 offers:
Fast and simple application process – in most circumstances, no financials are required for credit limits within $5 million. In some cases, such as concentrated security, we may require additional information.
Enhanced LVR model for diversified portfolios (Portfolio LVR)
Enhanced bonus stock model
Tailored rates for wholesale customers
Dedicated Relationship Managers
As loans may not fit a standard template, wholesale investment loans can be tailored to suit customers with:
Single stock or concentrated positions
Bespoke or individual LVRs on securities
Higher credit limit
Where credit limits are above $5 million or bespoke arrangements are required, a credit assessment will be required including a financial assessment.
Learn more about Accepted Shares and Accepted Managed Funds for wholesale investment loans.
Explore our interest rate and repayment options
Explore different interest rate and repayment options with no minimum loan balance requirements to create a Margin Loan that suits you best by using the CommSec Margin Lending Comparison Calculator.
Signing up is easy
Here’s what you need to get started.
✔ Your personal and contact details
You’ll need your full name, residential and postal address, and a valid form of ID (passport or driver's licence). You’ll also need your mobile number and email address to receive notifications and application updates.
✔ Confirm your eligibility
You must be an Australian permanent resident aged 18 years or older, or an Australian Trust1, or an Australian registered or incorporated company to apply.
✔ Supporting documents
You’ll need to supply supporting financial documents, and if applicable, your company details and ACN or Trust details, such as a certified copy of the Trust Deed.
✔ Income and credit details
You must earn a minimum gross income of $50,000/year and demonstrate that you can meet borrowing commitments. A minimum credit limit of $20,000 applies.
Joining CommSec is free - sign up for instant access to our full range of trading tools, news and stock data.
Our rates and fees
Opening a CommSec account is free and there are no ongoing account-keeping fees.
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Paid Yearly in Advance |
Paid Monthly in Arrears |
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Variable Rate |
N/A |
9.40% p.a. |
|
1 Year Fixed Rate |
8.49% p.a. |
8.54% p.a. |
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2 Year Fixed Rate |
8.64% p.a. |
8.69% p.a. |
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3 Year Fixed Rate |
8.74% p.a. |
8.79% p.a. |
|
5 Year Fixed Rate |
8.99% p.a. |
9.04% p.a. |
Interest Rates are subject to change without notice. All rates are indicative only. For a complete list of potential fees and charges that may apply to your account, please visit the Rates and Fees section of the CommSec website here. Fees and charges are subject to change without notice.
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Trade amount |
Cost^ |
|
Up to $1,000 (inclusive) |
$5 |
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Over $1,000 up to $3,000 (inclusive) |
$10 |
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Over $3,000 up to $10,000 (inclusive) |
$19.95 |
|
Over $10,000 up to $25,000 (inclusive) |
$29.95 |
|
Over $25,000 |
0.12% |
Your questions, answered
Find the answers to your questions about investing with CommSec.
With a CommSec Margin Loan, we lend you money to invest using your existing investment portfolio as security, or by combining your own cash with the money we lend you to invest. Your investments will be used as security for your margin loan. This means that they may be sold to repay your loan if your obligations are not met. You should regularly monitor your portfolio and take steps to avoid or respond to any potential margin calls.
Like anything, investing comes with some risks. These risks, such as market fluctuations and changing interest rates and tax conditions can be managed by keeping an eye on your margin loan, diversifying your portfolio and researching before you buy.
Learn more about the risks of borrowing to invest.
Shares, managed funds and cash are commonly used as collateral. The type of securities you have and their composition in your portfolio will determine how much you can borrow. To reduce your loan and increase borrowing power, you can transfer more securities or cash into your margin loan.
Learn more about the types of collateral I can use for my margin loan.
A margin call is a request for funds to be added to your margin loan to meet minimum capital requirements. They happen when your current loan-to-value ratio (LVR) exceeds the margin call LVR, or if your Current LVR exceeds the Maximum Gearing Ratio, that is, the maximum gearing we allow.
Learn more about margin calls.
Invest anytime, anywhere
Everything you need, all in the palm of your hand - monitor the markets, keep an eye on your portfolio and invest in Aussie and international stocks.
Download the app
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Help when it matters
Find the support you need, when you need it.
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Send us your question Fill in our online form and hear from one of our experts within two business days |
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Call us 13 15 19 for calls within Australia |
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Reach out to us on X Tag @CommSec in your question on X |
* Please seek your own professional tax advice before deciding whether this product is right for you.
^ Cost is based on trades placed online via the CommSec website, mobile app or other CommSec platforms. Cost is based on trades that settle through a Commonwealth Direct Investment Account (CDIA) or a CommSec Margin Loan. Trades linked to a settlement account from another financial institution and trades placed over the phone incur additional fees. See our rates and fees for more information.
1. Self-Managed Super Funds are ineligible for a Margin Loan.
2. Wholesale status is qualified by either a valid Qualified Accountants Certificate OR evidence of collateral with minimum $2.5 million in value
CommSec Margin Loan is issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. This product is administered by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec), a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia. CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited.
The information has been prepared without taking into account your objectives, financial situation or needs. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regards to their objectives, financial situation or needs, and, if necessary, seek appropriate professional advice. You can view the Margin Loan Product Disclosure Statement, Margin Loan Terms and Conditions, Trading Terms and Conditions, Best Execution Statement and Financial Services Guide, and should consider them before making any decision about these products and services. Applications for CommSec Margin Loans are subject to approval. Fees and charges apply.
CommSec accepts no responsibility for any connectivity delays, errors or disruptions caused by your phone service provider that may affect the performance of the CommSec mobile applications. CommSec accepts no responsibility for any fees that your phone service provider charges, such as fees for SMS, data services, or any other fees that your phone service provider may charge. Mobile App Terms of Service apply.