---
title: "Margin Lending — Westpac"
description: "Margin Loans from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/westpac/products/WestpacMarginLending
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T08:58:36Z
---

# Margin Lending — Westpac

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

**Margin Loans**

A Westpac Margin Loan may help you make the most of your money by using gearing to leverage your equities exposure.

## At a glance

- **From:** 10.25% (Fixed)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (Fixed interest is paid in advance.) | 10.25% | — | — |
| Fixed · 2 years (Fixed interest is paid in advance.) | 10.25% | — | — |
| Variable (Standard Westpac Margin Loan) | 10.27% | — | — |
| Fixed · 3 years (Fixed interest is paid in advance.) | 10.35% | — | — |
| Fixed · 1 year (Fixed interest is paid in arrears.) | 10.35% | — | — |
| Fixed · 2 years (Fixed interest is paid in arrears.) | 10.35% | — | — |
| Fixed · 4 years (Fixed interest is paid in advance.) | 10.45% | — | — |
| Fixed · 3 years (Fixed interest is paid in arrears.) | 10.45% | — | — |
| Fixed · 4 years (Fixed interest is paid in arrears.) | 10.55% | — | — |
| Fixed · 5 years (Fixed interest is paid in advance.) | 10.6% | — | — |
| Fixed · 5 years (Fixed interest is paid in arrears.) | 10.7% | — | — |

## 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 | Event | $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

- **Westpac Margin Lending offers variable and fixed interest rates on both the Westpac Margin Loan and Westpac Online Investment Loan.**
- **Choice of broker: Trade with any broker of your choosing or utilise one of our approved Platforms**
- **Investment options: Borrow against a wide range of acceptable listed securities and managed funds**
- **Repayments and fees: Flexible repayments with no set principal repayment schedule, transaction limits, or fees.**
- **Choose from more than 500 listed securities and 1,900 managed funds with loan-to-value ratios (LVRs) between 35% to 75%. More information can be found on the Acceptable Securities page.**
- **Online access: 24/7 online access to view and manage your account online via our portal.**
- **No application or establishment fees**
- **Tools to manage your loan: 24/7 online access to view and manage your account online, Buffer alerts, Electronic margin call notifications**
- **Potential risks - All investments are subject to risk. Some of the main risks associated with taking out a margin loan include:
Borrowing to invest can increase your potential returns, however it can also increase potential losses. The value of securities may not go up, or if they do, the increase in value may not be sufficient to cover the costs of the investment. You need to ensure that you can fund your obligations under your loan, including any interest, fees, and charges. If you can?t, the securities will be sold to satisfy these obligations. You should also consider the taxation consequences and seek independent professional tax advice.**
- **Call options: Westpac Margin Lending customers can sell covered call options against shares held on their margin loan. Options accounts can be linked by obtaining the services of any of the following approved stockbrokers for options trading. **
- **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.)
- **The buffer is usually 10% of the market value of each acceptable security, but Westpac may change it at any time, including reducing it to zero.**

## Eligibility

- **Minimum age** — 18 years (Individuals or joint borrowers, aged over 18 years.)
- **Residency status** — Australian Residency  (Australian resident for tax purposes.)
- **Business customers** (Individual Australian trustees for family or discretionary trusts)
- **Business customers** (Australian companies and company trustees for family or discretionary trusts)
- **Business customers** (Australian proprietary companies that are not subsidiaries of listed companies.)
- **Investors who are not holders of a Significant Investor Visa (188C)**

## Constraints

- **Minimum LVR** — 35% (Choose from more than 500 listed securities and 1,900 managed funds with loan-to-value ratios (LVRs) between 35% to 75%. More information can be found on the Acceptable Securities page.)
- **Maximum LVR** — 75% (Choose from more than 500 listed securities and 1,900 managed funds with loan-to-value ratios (LVRs) between 35% to 75%. More information can be found on the Acceptable Securities page.)
- **Minimum limit** — $20,000.00 (Minimum credit limit of $20,000, no minimum loan amount.)

## More information from Westpac

- [Overview](https://www.westpac.com.au/personal-banking/margin-lending/margin-loan.html)
- [Terms & conditions](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/margin-lending/westpac-margin-loan-facility-agreement.pdf)
- [Eligibility](https://www.westpac.com.au/personal-banking/margin-lending/margin-loan/apply.html)
- [Fees & pricing](https://www.westpac.com.au/personal-banking/margin-lending/margin-loan/interest-rates.html)

## Data provenance

- Published by Westpac under the Consumer Data Right
- Product ID: `WestpacMarginLending`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/WestpacMarginLending
- Provider page: https://www.cdrcompare.au/brands/westpac
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/WestpacMarginLending) — 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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