Margin Lending
Margin LoansData Sharing Status
A Westpac Margin Loan may help you make the most of your money by using gearing to leverage your equities exposure.
- 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% |
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 No transaction costs for this product. | Event | $0.00 |
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
Eligibility
- Minimum age — 18 yearsIndividuals or joint borrowers, aged over 18 years.
- Residency status — Australian Residency Australian resident for tax purposes.
- Business customersIndividual Australian trustees for family or discretionary trusts
- Business customersAustralian companies and company trustees for family or discretionary trusts
- Business customersAustralian proprietary companies that are not subsidiaries of listed companies.
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 — $20,000.00Minimum credit limit of $20,000, no minimum loan amount.
More Information
Published by Westpac under the Consumer Data Right · Last updated 29 June 2026 · Product ID WestpacMarginLending · View on CDR.gov.au