---
title: "Margin Lending — St.George Bank"
description: "Margin Loans from St.George Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/st-george-bank/products/STGMarginLending
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T08:59:51Z
---

# Margin Lending — St.George Bank

> Margin Loans from St.George Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Margin Loans**

Borrow money to invest in shares, managed funds, master trusts and wraps.

## At a glance

- **From:** 9.75% (Fixed)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 3 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 9.75% | — | Above 500,000 |
| Fixed · 6 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 9.75% | — | Above 500,000 |
| Fixed · 9 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 9.75% | — | Above 500,000 |
| Fixed · 1 year (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 9.75% | — | Above 500,000 |
| Fixed · 2 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 9.75% | — | Above 500,000 |
| Variable (Rate is calculated daily on loan balance and charged monthly in arrears) | 9.83% | — | Above 500,000 |
| Fixed · 3 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 9.85% | — | Above 500,000 |
| Fixed · 4 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 9.95% | — | Above 500,000 |
| Fixed · 3 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10% | — | 250,000 to 499,999 |
| Fixed · 6 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10% | — | 250,000 to 499,999 |
| Fixed · 9 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10% | — | 250,000 to 499,999 |
| Fixed · 1 year (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10% | — | 250,000 to 499,999 |
| Fixed · 2 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10% | — | 250,000 to 499,999 |
| Variable (Rate is calculated daily on loan balance and charged monthly in arrears) | 10.08% | — | 250,000 to 499,999 |
| Fixed · 3 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.1% | — | 250,000 to 499,999 |
| Fixed · 5 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.1% | — | Above 500,000 |
| Fixed · 4 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.2% | — | 250,000 to 499,999 |
| Fixed · 3 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.25% | — | 0 to 249,999 |
| Fixed · 6 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.25% | — | 0 to 249,999 |
| Fixed · 9 months (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.25% | — | 0 to 249,999 |
| Fixed · 1 year (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.25% | — | 0 to 249,999 |
| Fixed · 2 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.25% | — | 0 to 249,999 |
| Variable (Rate is calculated daily on loan balance and charged monthly in arrears) | 10.33% | — | 0 to 249,999 |
| Fixed · 3 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.35% | — | 0 to 249,999 |
| Fixed · 5 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.35% | — | 250,000 to 499,999 |
| Fixed · 4 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.45% | — | 0 to 249,999 |
| Fixed · 5 years (Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). · Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).) | 10.6% | — | 0 to 249,999 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment Fee — No establishment fees for individuals or company applicants. These fees may change, before you apply please read the PDS and other documents provided on website. | Upfront | $0.00 |
| Account Keeping Fee — Charged monthly · No monthly account keeping fees for this product. | Ongoing | $0.00 |
| Transaction costs | Transaction | $0.00 |
| Telegraphic Fund Transfers — Fees are charged for telegraphic fund transfers; fees may also be charged for breaking a fixed rate loan and additional account services. | Event | Variable |

## Features

- **$0 establishment fees for individuals or company applicants**
- **$0 account keeping or transaction fees**
- **Wide range of acceptable securities.**
- **Bigger returns : A margin loan gives you more to invest and you have the potential for bigger returns.**
- **Unlock the equity in your existing investments : Raise cash for investment purposes without having to sell your investments.**
- **Support your retirement goals : Investors may use a margin loan as a means of building their wealth for retirement.**
- **Greater diversification of your portfolio : Spread your investments across a broader range of assets to build a more diversified portfolio.**
- **Tax effectiveness : Interest paid on your loan is generally tax-deductible.**
- **Interest can be paid up to 12 months in advance and you may be able to get an additional tax deduction for the prepaid interest in the current financial year (subject to your ability to satisfy the tax prepayment rules).**
- **By borrowing against your existing portfolio, you may increase the size of your investment without having to sell your existing portfolio and potentially create a capital gains tax event.**
- **Australian shares often generate franked dividends, which yield imputation credits that may be used to offset other tax liabilities.**
- **Interest rate options : We offer a tiered interest rate structure including Variable Interest Rate (in arrears) and Fixed Interest Rate (in advance) from 3 months to 5 years.**
- **Acceptable Securities List : St. George Margin Lending offers a wide range of shares, managed funds and master trusts, with a range of loan to value ratios.**
- **Learning centre : Our Learning Centre has been developed to give you a better understanding of margin lending and  to help you consider it is appropriate for you.**
- **Call options : Writing call options gives you the potential to earn additional income from the investments in your portfolio. St. George Margin Lending allows you to write call options using your margin lending facility.**
- **Manage your loan : At St. George we want to help you manage your loan quickly and easily. So, we have provided the forms you are most likely to need all in the one space.**
- **Diversified feature : For investors who hold three or more qualifying securities, the Diversified feature provides access to an extended range of equities.**
- **Servicing wholesale applicants : Access to our dedicated relationship managers, preferential interest rates and a more streamlined application process.**
- **Extra repayments** (Indicates that the product has the option to accept extra repayments without incurring additional charges (for example Buy Now, Pay Later (BNPL) or line of credit products may offer the facility to repay instalments on an adhoc basis).)
- **Relationship management** (Relationship management is available for eligible customers.)
- **Internet account access : An online service that allows you to view and manage your margin lending accounts anywhere, anytime.**

## Eligibility

- **Minimum age** — 18 years (An individual or joint individuals who are over 18 years of age.)
- **Residency status** — Australian Residency  (Australian resident for tax purposes.)
- **Business customers** (An Australian company or individual trustee of a family, discretionary or testamentary trust.)
- **A St.George Margin Loan is not available to superannuation funds.**

## Constraints

- **Minimum limit** — $20,000.00

## More information from St.George Bank

- [Overview](https://www.stgeorge.com.au/personal/investments/margin-lending)
- [Terms & conditions](https://www.stgeorge.com.au/content/dam/stg/downloads/margin-lending/stg-margin-lending-tandc-application-form.pdf)
- [Eligibility](https://www.stgeorge.com.au/content/dam/stg/downloads/marginlending/PDS_SGBML.pdf)
- [Fees & pricing](https://www.stgeorge.com.au/personal/investments/margin-lending)

## Data provenance

- Published by St.George Bank under the Consumer Data Right
- Product ID: `STGMarginLending`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/st-george-bank/STGMarginLending
- Provider page: https://www.cdrcompare.au/brands/st-george-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000140

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/st-george-bank/products/STGMarginLending) — 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.

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