St. George Bank
Margin Lending
Borrow money to invest in shares, managed funds, master trusts and wraps.
Margin loansBank updated 19 Aug 2026
At a glance
- Fixed
- 9.75%
- Variable
- 9.83%
- Loan size
- $20,000 to no maximum
- Upfront fee
- $0
- Monthly fee
- $0
§ 01 — Rates · 27
| 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 | 10.33% | — | Rate is calculated daily on loan balance and charged monthly in arrears |
| Variable | — | — | $250,000–$499,999 | 10.08% | — | Rate is calculated daily on loan balance and charged monthly in arrears |
| Variable | — | — | $500,000+ | 9.83% | — | Rate is calculated daily on loan balance and charged monthly in arrears |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Telegraphic Fund Transfers | Event | Varies | — | Fees are charged for telegraphic fund transfers; fees may also be charged for breaking a fixed rate loan and additional account services. |
| Account Keeping Fee | Periodic | No fee | Every 1 mo | No monthly account keeping fees for this product. |
| Transaction costs | Transaction | No fee | — | — |
| Establishment Fee | Upfront | No 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. |
§ 03 — 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.
- · Tax effectiveness : 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.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residency
- · Available to businesses
- · Amount $20,000 to no maximum
- · A St.George Margin Loan is not available to superannuation funds.
§ 05 — Compare
§ 06 — Run the numbers
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Published by St.George Bank under the Consumer Data Right, last changed by them on 19 Aug 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.