CommSec Margin Loan
CommSec Margin Loan allows investors to borrow money to invest, by using their existing shares, ETFs, managed funds, and/or cash as security.
- From (investment)
- 9.15%
- Fixed
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% |
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 | 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. |
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 yearsApplicants must be 18 years and over.
- Residency status — Australian Permanent ResidentIndividual and joint individual applicants must be Australian permanent residents.
Constraints
- Minimum limit — $20,000.00Applying 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
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 3d39108cb2584b7486dc87777df5496f · View on CDR.gov.au