CommBank
CommSec Margin Loan
CommSec Margin Loan allows investors to borrow money to invest, by using their existing shares, ETFs, managed funds, and/or cash as security.
Margin loansBank updated 23 Sept 2026
At a glance
- Fixed
- 9.15%
- Variable
- 9.65%
- Loan size
- $20,000 to no maximum
- Upfront fee
- $0
§ 01 — Rates · 9
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 Year Fixed Rate - Paid Yearly in Advance | Investment · Interest only | 1 yr fixed | — | 9.15% | — | — |
| Fixed1 Year Fixed Rate - Paid Monthly in Arrears | Investment · Interest only | 1 yr fixed | — | 9.20% | — | — |
| Fixed2 Year Fixed Rate - Paid Yearly in Advance | Investment · Interest only | 2 yrs fixed | — | 9.20% | — | — |
| Fixed2 Year Fixed Rate - Paid Monthly in Arrears | Investment · Interest only | 2 yrs fixed | — | 9.25% | — | — |
| Fixed3 Year Fixed Rate - Paid Yearly in Advance | Investment · Interest only | 3 yrs fixed | — | 9.25% | — | — |
| Fixed3 Year Fixed Rate - Paid Monthly in Arrears | Investment · Interest only | 3 yrs fixed | — | 9.30% | — | — |
| Fixed5 Year Fixed Rate - Paid Yearly in Advance | Investment · Interest only | 5 yrs fixed | — | 9.30% | — | — |
| Fixed5 Year Fixed Rate - Paid Monthly in Arrears | Investment · Interest only | 5 yrs fixed | — | 9.35% | — | — |
| VariableVariable Rate - Paid Monthly in Arrears | Investment · Interest only | — | — | 9.65% | — | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour fee | Event | $30 | — | Any direct debit rejection will incur a fee of $30. This fee will be charged to the loan account at the time of the rejection or on termination of the loan facility. |
| Early repayment adjustment and administrative fee on fixed rate loans | Event | Varies | — | Depends on amount of loan and interest rate movements |
| Government tax or duty | Event | Varies | — | — |
| Off Market Transfer Fee | Event | $54 | — | A fee of $54.00 per security is applicable when completing an Off Market Transfer. |
| Personal Property Securities Register (PPSR) Registration Fee (Government fee payable when the Security Interest is registered, or registration is amended) | Event | Varies | — | Government fee, payable when the Security Interest is registered, or registration is amended |
| Trust deed investigation fee | Event | $200 | — | A minimum fee of approximately $200 will apply for Trust Deed Investigation if a Trust is the borrower or security provider to the loan and the Trust's total loan exposure to the Bank will be greater… |
| Account Keeping Fee | Periodic | No fee | — | — |
| Application Fee for individual and company applicants | Upfront | No fee | — | — |
§ 03 — Features
- · A wide range of shares, ETFs, and managed funds in the Approved Securities List, allowing investors to borrow money to accelerate their wealth creation and diversify their investment portfolio, using…
- · A Regular Gearing Plan, allowing borrowers to combine the power of gearing with the discipline of regular savings, to help build wealth over the long term.
- · Flexible interest rate and repayment options, with no minimum balance requirements
- · Integration with award-winning CommSec trading platform. CommSec provides borrowers all the tools to monitor portfolio's performance, including online summaries, gearing ratios, loan statements, noti…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Permanent Resident
- · Minimum income $50,000
- · Amount $20,000 to no maximum
- · Maximum LVR 90%
- · Applicants can apply as an individual, joint individuals, Australian trust (excluding Self Managed Super Fund and Minor Trust) or Australian registered or incorporated company.
- · Able to demonstrate the ability to meet borrowing commitments.
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.