Westpac
Margin Lending
A Westpac Margin Loan may help you make the most of your money by using gearing to leverage your equities exposure.
Margin loansBank updated 8 Sept 2026
At a glance
- Fixed
- 10.25%
- Variable
- 10.27%
- Loan size
- $20,000 to no maximum
- Upfront fee
- $0
- Monthly fee
- $0
§ 01 — Rates · 11
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFixed interest is paid in advance. | — | 1 yr fixed | — | 10.25% | — | — |
| FixedFixed interest is paid in arrears. | — | 1 yr fixed | — | 10.35% | — | — |
| FixedFixed interest is paid in advance. | — | 2 yrs fixed | — | 10.25% | — | — |
| FixedFixed interest is paid in arrears. | — | 2 yrs fixed | — | 10.35% | — | — |
| FixedFixed interest is paid in advance. | — | 3 yrs fixed | — | 10.35% | — | — |
| FixedFixed interest is paid in arrears. | — | 3 yrs fixed | — | 10.45% | — | — |
| FixedFixed interest is paid in advance. | — | 4 yrs fixed | — | 10.45% | — | — |
| FixedFixed interest is paid in arrears. | — | 4 yrs fixed | — | 10.55% | — | — |
| FixedFixed interest is paid in advance. | — | 5 yrs fixed | — | 10.60% | — | — |
| FixedFixed interest is paid in arrears. | — | 5 yrs fixed | — | 10.70% | — | — |
| VariableStandard Westpac Margin Loan | — | — | — | 10.27% | — | — |
§ 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. |
| Transaction costs | Event | No fee | — | — |
| Account Keeping Fee | Periodic | No fee | Every 1 mo | No monthly account keeping fees for this product. |
| 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
- · Westpac Margin Lending offers variable and fixed interest rates on both the Westpac Margin Loan and Westpac Online Investment Loan.
- · Choice of broker: Trade with any broker of your choosing or utilise one of our approved Platforms
- · Investment options: Borrow against a wide range of acceptable listed securities and managed funds
- · Repayments and fees: Flexible repayments with no set principal repayment schedule, transaction limits, or fees.
- · Choose from more than 500 listed securities and 1,900 managed funds with loan-to-value ratios (LVRs) between 35% to 75%. More information can be found on the Acceptable Securities page.
- · Online access: 24/7 online access to view and manage your account online via our portal.
- · No application or establishment fees
- · Tools to manage your loan: 24/7 online access to view and manage your account online, Buffer alerts, Electronic margin call notifications
- · Potential risks - All investments are subject to risk. Some of the main risks associated with taking out a margin loan include: Borrowing to invest can increase your potential returns, however it can…
- · Call options: Westpac Margin Lending customers can sell covered call options against shares held on their margin loan. Options accounts can be linked by obtaining the services of any of the following…
- · The buffer is usually 10% of the market value of each acceptable security, but Westpac may change it at any time, including reducing it to zero.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residency
- · Available to businesses
- · Amount $20,000 to no maximum
- · Maximum LVR 75%
- · Investors who are not holders of a Significant Investor Visa (188C)
- · Company directors must be Australian residents for tax purposes and reside in Australia.
- · Charitable trusts and Self Managed Super Funds are not eligible for a Westpac Margin Lending facility.
§ 06 — Run the numbers
Put this product through a calculator
Published by Westpac under the Consumer Data Right, last changed by them on 8 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.