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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 9 Oct 2026
Apply at CommBank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Fixed
9.65%
Variable
9.90%
Loan size
$20,000 to no maximum
Upfront fee
$0

Rates

Every rate CommBank publishes for this margin loan, 9 in all.

TypeApplies toTermBandRateComparisonConditions
Fixed1 Year Fixed Rate - Paid Yearly in AdvanceInvestment, Interest only1 yr fixed-9.65%--
Fixed1 Year Fixed Rate - Paid Monthly in ArrearsInvestment, Interest only1 yr fixed-9.70%--
Fixed2 Year Fixed Rate - Paid Yearly in AdvanceInvestment, Interest only2 yrs fixed-9.70%--
Fixed2 Year Fixed Rate - Paid Monthly in ArrearsInvestment, Interest only2 yrs fixed-9.75%--
Fixed3 Year Fixed Rate - Paid Yearly in AdvanceInvestment, Interest only3 yrs fixed-9.75%--
Fixed3 Year Fixed Rate - Paid Monthly in ArrearsInvestment, Interest only3 yrs fixed-9.80%--
Fixed5 Year Fixed Rate - Paid Yearly in AdvanceInvestment, Interest only5 yrs fixed-9.80%--
Fixed5 Year Fixed Rate - Paid Monthly in ArrearsInvestment, Interest only5 yrs fixed-9.85%--
VariableVariable Rate - Paid Monthly in ArrearsInvestment, Interest only--9.90%--

Rate changes

One change logged, newest first.

DateRateWasNowChange
9 Oct 2026Variable, Investment, Interest only9.65%9.90%up 0.25

Each change is logged the night it appears in the rates CommBank publishes. See how every lender answered the RBA on the rate tracker.

Fees

8 fees published, grouped by when they're charged.

  1. When you take it outNo feeApplication Fee for individual and company applicants
  2. While you hold itNo feeAccount Keeping Fee
  3. When you close it or pay it offNo fee published

When you take it out1

  • Application Fee for individual and company applicants
    No fee

While you hold it1

  • Account Keeping Fee
    No fee

When particular things happen6

  • Dishonour fee

    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.

    $30
  • Early repayment adjustment and administrative fee on fixed rate loans

    Depends on amount of loan and interest rate movements

    Varies
  • Government tax or duty
    Varies
  • Off Market Transfer Fee

    A fee of $54.00 per security is applicable when completing an Off Market Transfer.

    $54
  • Personal Property Securities Register (PPSR) Registration Fee (Government fee payable when the Security Interest is registered, or registration is amended)

    Government fee, payable when the Security Interest is registered, or registration is amended

    Varies
  • Trust deed investigation fee

    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…

    From $200

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…

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Permanent Resident
  • Minimum income $50,000
  • Amount from $20,000, 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.

Published by CommBank under the Consumer Data Right, last changed by them on 9 Oct 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.