How to manage your margin loan credit limit

When you apply for a margin loan, the minimum credit limit you can specify is $20,000.

Provided you have sufficient collateral on the loan, your credit limit represents the maximum amount you will be able to borrow. You don’t have to use the full amount, and you’ll only pay interest on the amount you borrow.

Once your loan is up and running, you can request for your credit limit to be increased or decreased as it suits you (provided you keep a minimum credit limit of $20,000).


How to increase the credit limit on your margin loan

If your Margin Loan Account is held in your name only

You can apply to increase your credit limit online:

  1. Log in to your CommSec account
  2. Go to Portfolio
  3. Select Accounts
  4. Select your Margin Loan
  5. Go to Loan Details and select “Change Credit Limit

If your Margin Loan Account is held by a company, trust, or joint account holders

Complete a Credit Limit Increase Application Form and send it to us by either:

  1. Email – attach the scanned form and email to marginloan@commsec.com.au
  2. Post – send to “CommSec - Margin Loans, Locked Bag 34, Australia Square NSW 1214”

How to decrease the credit limit on your margin loan

To decrease your credit limit, you’ll need to send us with a signed letter requesting the new limit. Send us the completed and signed letter by either:

  • Email – attach the scanned letter and email to marginloan@commsec.com.au
  • Post – send to “Attn: Margin Lending, Locked Bag 34, Australia Square NSW 1214”

We’ll aim to update your credit limit within two business days of receiving your request. To view your credit limit online, go to Portfolio > Accounts > Account Details.


For more information on managing your credit limit, please call CommSec Margin Lending on 13 17 09 between 8am and 6pm Monday to Friday (Sydney time) or + 61 2 9115 1402 if calling from overseas.

See CommSec Margin Loan Risk Disclosure, Important Information and Disclaimer. Consider the product disclosure statement available from the Commonwealth Bank of Australia, as the product issuer, at commsec.com.au before making any decision about the product and whether it is appropriate for you.

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