St. George BankMargin Lending
Borrow money to invest in shares, managed funds, master trusts and wraps.
Margin loansBank updated 13 Oct 2026
At a glance
- Fixed
- 9.75%
- Variable
- 10.08%
- Loan size
- $20,000 to no maximum
- Upfront fee
- $0
- Monthly fee
- $0
Rates
Every rate St. George Bank publishes for this margin loan, 27 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 1 yr fixed | up to $249,999 | 10.25% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 1 yr fixed | $250,000–$499,999 | 10.00% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 1 yr fixed | $500,000+ | 9.75% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 2 yrs fixed | up to $249,999 | 10.25% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 2 yrs fixed | $250,000–$499,999 | 10.00% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 2 yrs fixed | $500,000+ | 9.75% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 3 mo fixed | up to $249,999 | 10.25% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 3 mo fixed | $250,000–$499,999 | 10.00% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 3 mo fixed | $500,000+ | 9.75% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 3 yrs fixed | up to $249,999 | 10.35% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 3 yrs fixed | $250,000–$499,999 | 10.10% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 3 yrs fixed | $500,000+ | 9.85% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 4 yrs fixed | up to $249,999 | 10.45% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 4 yrs fixed | $250,000–$499,999 | 10.20% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 4 yrs fixed | $500,000+ | 9.95% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 6 mo fixed | up to $249,999 | 10.25% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 6 mo fixed | $250,000–$499,999 | 10.00% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 6 mo fixed | $500,000+ | 9.75% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 5 yrs fixed | up to $249,999 | 10.60% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 5 yrs fixed | $250,000–$499,999 | 10.35% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 5 yrs fixed | $500,000+ | 10.10% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 9 mo fixed | up to $249,999 | 10.25% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 9 mo fixed | $250,000–$499,999 | 10.00% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| FixedPaid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). | - | 9 mo fixed | $500,000+ | 9.75% | - | Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs). |
| Variable | - | - | up to $249,999 | 10.58% | - | Rate is calculated daily on loan balance and charged monthly in arrears |
| Variable | - | - | $250,000–$499,999 | 10.33% | - | Rate is calculated daily on loan balance and charged monthly in arrears |
| Variable | - | - | $500,000+ | 10.08% | - | Rate is calculated daily on loan balance and charged monthly in arrears |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 14 Oct 2026 | Variable, up to $249,999 | 10.33% | 10.58% | up 0.25 |
| 14 Oct 2026 | Variable, $250,000–$499,999 | 10.08% | 10.33% | up 0.25 |
| 14 Oct 2026 | Variable, $500,000+ | 9.83% | 10.08% | up 0.25 |
Each change is logged the night it appears in the rates St.George Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
4 fees published, grouped by when they're charged.
- When you take it outNo feeEstablishment Fee
- While you hold itNo feeAccount Keeping Fee
- When you close it or pay it offNo fee published
When you take it out1
- Establishment Fee
No establishment fees for individuals or company applicants. These fees may change, before you apply please read the PDS and other documents provided on website.
No fee
While you hold it1
- Account Keeping Fee
No monthly account keeping fees for this product.
No fee
When you make a transaction1
- Transaction costsNo fee
When particular things happen1
- Telegraphic Fund Transfers
Fees are charged for telegraphic fund transfers; fees may also be charged for breaking a fixed rate loan and additional account services.
Varies
Features
Extra repaymentsRelationship manager
- $0 establishment fees for individuals or company applicants
- $0 account keeping or transaction fees
- Wide range of acceptable securities.
- Bigger returns: A margin loan gives you more to invest and you have the potential for bigger returns.
- Unlock the equity in your existing investments: Raise cash for investment purposes without having to sell your investments.
- Support your retirement goals: Investors may use a margin loan as a means of building their wealth for retirement.
- Greater diversification of your portfolio: Spread your investments across a broader range of assets to build a more diversified portfolio.
- Margin lending can be tax-effective: Interest paid on your loan is generally tax-deductible.
- Interest can be paid up to 12 months in advance and you may be able to get an additional tax deduction for the prepaid interest in the current financial year (subject to your ability to satisfy the t…
- By borrowing against your existing portfolio, you may increase the size of your investment without having to sell your existing portfolio and potentially create a capital gains tax event.
- Australian shares often generate franked dividends, which yield imputation credits that may be used to offset other tax liabilities.
- Interest rate options: We offer a tiered interest rate structure including Variable Interest Rate (in arrears) and Fixed Interest Rate (in advance) from 3 months to 5 years.
Eligibility and limits
- Minimum age 18
- Residency: Australian Residency
- Available to businesses
- Amount from $20,000, no maximum
- A St.George Margin Loan is not available to superannuation funds.
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Published by St.George Bank under the Consumer Data Right, last changed by them on 13 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.