About the CommSec margin loan


  • An investment strategy that may potentially help maximise the return from your portfolio whether you have an existing share portfolio or are just establishing one
  • It uses one of the oldest financial techniques to enhance your returns – gearing
  • Gearing means that you borrow money to invest whilst using your own cash or shares as collateral
  • The idea is that you increase your portfolio (investment) through gearing, thereby increasing your potential for profit and access to dividends or distributions (returns) over time

Business benefits

  • Margin lending may be tax effective, it can enhance your opportunities to create wealth and allow you to diversify your portfolio
  • You can borrow between 40 and 75 per cent of the market value of approved shares or managed funds
  • If you take out a margin loan and prepay interest on or before 30 June, you may be eligible for a tax deduction in the same financial year^
  • Before you apply for a margin loan, it is important to look at your overall financial position and consider your ability to meet your obligations in a volatile market
  • Remember, although borrowing to invest can multiply your investment returns, it may also multiply your losses if the value of your investment falls

Rates and fees

Our latest rates and fees make it easy for you to compare products and make the right financial choices.

Learn more

Related products



This flexible line of credit provides cash to cover seasonal or unexpected expenses and you only pay interest on money used.

Learn more
BetterBusiness Loan

BetterBusiness loan

This loan can help fund your company growth or finance a business initiative and offer the flexibility of fixed or variable interest rates.

Learn more

Important information

^Information on taxation is based on the continuation of current laws, as at the date of communication, and their interpretation which may be subject to change.

Please be aware that a CommSec Margin Loan exposes you to unfavourable movements in the value of shares and units in managed funds, and possibly to margin calls. Please be aware that you are personally liable for any shortfall that occurs should your entire portfolio have to be sold to answer a margin call where there have been falls in the market value of your investments. Only investors who fully understand the risks associated with gearing into investments should consider a margin loan.

As this information has been prepared without considering your objectives, needs, financial and taxation situation, you should, before acting on the information, consider its appropriateness to your circumstances and, if necessary, seek appropriate independent financial advice.  All applications for a margin loan are subject to the Commonwealth Bank's credit approval process. Fees and charges apply.

CommSec Margin Loan is a product of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (the Bank) administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 ("CommSec"), a Participant of the ASX Group.  Please consider the Product Disclosure Statement issued by the Bank available from commsec.com.au before making any decisions about a CommSec Margin Loan.