Help & support
Multiply your investment potential with an award winning CommSec Margin Loan. Use this powerful investment tool to unlock the equity in your existing investments, and combine it with borrowed funds to expand your portfolio.
With the extra investment capital from a Margin Loan, you can build a larger portfolio that can allow you to diversify your investments over a wider range of assets. This means more than just increased potential returns - it also gives you greater exposure to price movements, dividends, franking credits and corporate actions.
Once you have established 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 form your overall portfolio.
Boost your potential capital growth and income by using your Margin Loan to buy more shares or managed funds for your portfolio.
Diversification – across varied 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. Check which shares and managed funds in your portfolio we lend against.
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.
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.
A Regular Gearing Plan combines the power of gearing with the discipline of regular savings, helping you build wealth over the long term.
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.
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.
CommSec gives you all the tools you need to monitor your portfolio's performance, including online summaries, gearing ratios, loan statements, notifications and research.
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.
Market movements
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.
Interest rate movements
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.
Interest rate movements
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.
Reduced lending ratios
Lending ratios are reviewed regularly and may be reduced even for securities you have purchased in the past - this may trigger a margin call.
CommSec Margin Loan is issued by Commonwealth Bank of Australia. ABN 48123123 AFSL 234945. This product is administered by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia. CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited. Applications for Margin Loans are subject to approval. Fees and charges apply.
The information has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regards to the individual's objectives, financial situation or needs, and, if necessary, seek appropriate professional advice. You can view the CommSec Margin Loan Product Disclosure Statement, Margin Loan Terms and Conditions, Share Trading Terms and Conditions, Best Execution Statement and Financial Services Guide, and should consider them before making any decision about these products and services.
