--- title: "CommSec Margin Loan — CommBank" description: "Margin Loans from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/commbank/products/3d39108cb2584b7486dc87777df5496f source: "CDR Compare" language: en-AU last_updated: 2026-08-28T02:15:28.000Z --- # CommSec Margin Loan — CommBank > Margin Loans from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Margin Loans** CommSec Margin Loan allows investors to borrow money to invest, by using their existing shares, ETFs, managed funds, and/or cash as security. ## At a glance - **From (investment):** 9.15% (Fixed) ## Apply Applications are handled by the provider: [Apply at CommBank](https://www.commsec.com.au/products/margin-loan.html) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year (1 Year Fixed Rate - Paid Yearly in Advance) | 9.15% | — | — | | Fixed · 1 year (1 Year Fixed Rate - Paid Monthly in Arrears) | 9.2% | — | — | | Fixed · 2 years (2 Year Fixed Rate - Paid Yearly in Advance) | 9.2% | — | — | | Fixed · 2 years (2 Year Fixed Rate - Paid Monthly in Arrears) | 9.25% | — | — | | Fixed · 3 years (3 Year Fixed Rate - Paid Yearly in Advance) | 9.25% | — | — | | Fixed · 3 years (3 Year Fixed Rate - Paid Monthly in Arrears) | 9.3% | — | — | | Fixed · 5 years (5 Year Fixed Rate - Paid Yearly in Advance) | 9.3% | — | — | | Fixed · 5 years (5 Year Fixed Rate - Paid Monthly in Arrears) | 9.35% | — | — | | Variable (Variable Rate - Paid Monthly in Arrears) | 9.65% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Application Fee for individual and company applicants | Upfront | $0.00 | | Trust deed investigation fee — A minimum fee of approximately $200 will apply for Trust Deed Investigation if a Trust is the borrower or security provider to the loan and the Trust's total loan exposure to the Bank will be greater than $500,000. The fee will be charged to the loan, unless there is insufficient collateral, in which case we will debit the nominated bank account | Event | From $200.00 | | Personal Property Securities Register (PPSR) Registration Fee (Government fee payable when the Security Interest is registered, or registration is amended) — Government fee, payable when the Security Interest is registered, or registration is amended | Event | Variable | | Account Keeping Fee — No account keeping fees | Ongoing | $0.00 | | Dishonour fee — Any direct debit rejection will incur a fee of $30. This fee will be charged to the loan account at the time of the rejection or on termination of the loan facility. | Event | $30.00 | | Off Market Transfer Fee — A fee of $54.00 per security is applicable when completing an Off Market Transfer. | Event | $54.00 | | Government tax or duty | Event | Variable | | Early repayment adjustment and administrative fee on fixed rate loans — Depends on amount of loan and interest rate movements | Event | Variable | ## Features - **A wide range of shares, ETFs, and managed funds in the Approved Securities List, allowing investors to borrow money to accelerate their wealth creation and diversify their investment portfolio, using existing investments or cash as security.** - **A Regular Gearing Plan, allowing borrowers to combine the power of gearing with the discipline of regular savings, to help build wealth over the long term.** - **Flexible interest rate and repayment options, with no minimum balance requirements** - **Integration with award-winning CommSec trading platform. CommSec provides borrowers all the tools to monitor portfolio's performance, including online summaries, gearing ratios, loan statements, notifications and research.** ## Eligibility - **Applicants can apply as an individual, joint individuals, Australian trust (excluding Self Managed Super Fund and Minor Trust) or Australian registered or incorporated company.** - **Able to demonstrate the ability to meet borrowing commitments.** - **Minimum income** — $50,000.00 p.a. (Earn a minimum gross income of $50,000 per annum.) - **Minimum age** — 18 years (Applicants must be 18 years and over.) - **Residency status** — Australian Permanent Resident (Individual and joint individual applicants must be Australian permanent residents.) ## Constraints - **Minimum limit** — $20,000.00 (Applying for a minimum credit limit of $20,000) - **Minimum LVR** — 0% (Minimum level of gearing allowed) - **Maximum LVR** — 90% (Maximum level of gearing allowed) ## More information from CommBank - [Overview](https://www.commsec.com.au/products/margin-loan.html) - [Terms & conditions](https://www.commsec.com.au/support/forms-and-brochures.html) - [Eligibility](https://www.commsec.com.au/products/margin-loan.html) - [Fees & pricing](https://www.commsec.com.au/support/rates-and-fees.html) ## Data provenance - Published by CommBank under the Consumer Data Right - Product ID: `3d39108cb2584b7486dc87777df5496f` - Last updated by the provider: 28 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/3d39108cb2584b7486dc87777df5496f - Provider page: https://www.cdrcompare.au/brands/commbank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/3d39108cb2584b7486dc87777df5496f) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)