Accelerate your wealth creation
Boost your potential capital growth and income by using your margin loan to buy more shares, ETFs or managed funds for your portfolio.
Take out a margin loan and you can use your existing investments as security to borrow additional money to invest.
This can help towards generating potential greater capital growth than simply using your existing investments and assets alone.
Apply for a margin loan today and take advantage of our low EOFY rates – offer ends 30 June 2017.
Use our gearing calculator below to see how a margin loan could help you grow your portfolio.
Check which shares in your portfolio we lend against.
A margin loan lets you use cash or your existing investments as security to borrow additional money. It gives you up to 5 times the investment power, to help build a portfolio that you may not have been able to fund otherwise.
Once you've set up a CommSec Margin Loan, you transfer your existing shares, managed funds or cash into it as collateral. We calculate the lending value, which determines how much you can borrow. You can then use your available funds to make investments, which combine with your original collateral to create your overall portfolio.
Boost your potential capital growth and income by using your margin loan to buy more shares, ETFs or managed funds for your portfolio.
Choose from a range of interest rate and repayment options – with no minimum loan balance requirements – to create the margin loan that suits you best.
Combine Exchange Traded Options with your margin loan to access strategies that can generate additional income or protect the value of your shares.
Obtain potential tax deductions by claiming interest expenses. Bring forward interest expenses by prepaying interest. Potentially reduce your tax liability by buying more stocks that pay franked dividends.
Diversification – across various companies, industries and countries – can help to reduce investment risk. The extra purchasing power of a margin loan allows you to diversify as opportunities arise.
Don't sell your shares to realise the equity in your portfolio – harness its borrowing power with a margin loan. Defer capital gain (and loss) events, and build a larger portfolio at the same time.
CommSec gives you all the tools you need to monitor your portfolio's performance, including online summaries, gearing ratios, loan statements, notifications and research.
If at any time you need to access the capital in your loan security, you can sell assets and transfer available funds online – effectively having cash on call when you need it.
A Regular Gearing Plan combines the power of gearing with the discipline of regular savings, helping you build wealth over the long term.
A drop in the lending value of your portfolio (if the value of your stocks and funds falls) may mean you need to reduce your gearing level at short notice – also known as a margin call.
If interest rates rise, the overall costs of your investment may increase, potentially reducing your profits. Fixing your interest rate can help you avoid this risk.
A geared strategy can multiply your investment returns, but it can also increase your losses if the market moves against you.
Lending ratios are reviewed regularly and may be reduced even for securities you have purchased in the past – this may trigger a margin call.
Your CommSec Margin Loan comes with a range of useful tools and support to help you effectively manage your loan.
Our margin loan product was recently announced winner of Money Magazine’s “Best Featured Margin Loan” for 2017. Through constant innovation and a continued focus on customer service, we're also committed to maintaining our five-star Canstar rating for outstanding value.
As a CommSec Margin Loan customer, you'll also have access to our market-leading integrated trading platform across desktop, tablet and mobile – so, you'll always have access to real-time stock information, research and up-to-date loan details in the same place.
You can also use our website to transfer funds, update your personal details and access a detailed transaction history, at any time.
We're also on hand with the support you need to help you make the most of your margin loan. Talk to our experienced Account Managers between 8am and 6pm (Sydney time) to help you manage your loan.
Take a look at these different approaches to using a margin loan and consider whether they could potentially help you maximise your returns.
See how a margin loan can help you increase the returns from your investments Learn more.
Even if you're slowly building a portfolio, a margin loan can help you grow your wealth with regular instalments Learn more.
See how you can combine a margin loan with an options strategy, using Covered Calls to potentially generate additional revenue from your portfolio Learn more.
Explore how a margin loan can help you reap the benefits at dividend season Learn more.
Find out how using a margin loan can help traders make the most of short-term price movements Learn more.
Apply for a Margin Lending Account today and make the most of investment opportunities.
For more information on margin lending, please contact us on 13 17 09 (8am to 6pm, Sydney time, Monday to Friday) or email us at commsecbusinessdevelopment@cba.com.au
For more information on how to complete the application, take a look at our video guide
Whilst borrowing to invest can multiply your investment returns, it may also multiply your losses if the value of your investment falls and this may result in the value of your security being insufficient to repay your loan. Margin loans involve risk – see the CommSec Margin Loan Risk Disclosure, Disclaimer and Important Information.