Margin Lending

As market leaders in margin lending, Westpac has the expertise to help you make the most of your money by using gearing to leverage your equities exposure.
Category: Margin Loans  Last Updated June 10, 2025  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a FIXED product. Additional Information Fixed interest is paid in advance.
Interest Rate
8.80% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , FIXED, 8.80%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.80%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.80%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.80%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.90%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.90%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 9.00%
  • Lending Rate Type: Fixed
  • Interest Rate: 9.00%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 9.15%
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.90%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.90%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.90%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.90%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 9.00%
  • Lending Rate Type: Fixed
  • Interest Rate: 9.00%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 9.10%
  • Lending Rate Type: Fixed
  • Interest Rate: 9.10%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 9.25%
  • Lending Rate Type: Fixed
  • Interest Rate: 9.25%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Other Additional Information: Borrow to invest: Borrow to invest over a wide universe of shares and managed funds, including mid and small cap stocks.
  • Other Additional Information: Diversify your portfolio: Choose from a competitive list of acceptable securities including shares and managed funds.
  • Other Additional Information: Flexible repayments, no fees: The facility is an open-ended revolving line of credit with no set principal repayment schedule. Part or full repayments can be made at any time.
  • Other Additional Information: Flexible loan structure: There are no transaction limits, no minimum amounts for cash advances, loan draw-downs or repayments. Hold securities in your name or that of a third party.
  • Other Additional Information: Around the clock access: View and manage your account 24/7 online.
  • Other Additional Information: Choice of acceptable securities: Choose from over 2,100 shares and managed funds with LVRs between 35% ? 75%.
  • Other Additional Information: Set a regular gearing plan: Establish a regular gearing plan with a minimum loan of $2,500, and a minimum monthly investment of $250 per managed fund.
  • Other Additional Information: Servicing wholesale clients: A streamlined margin loan application process, for investors who satisfy the definition of a wholesale investor.
  • Other Additional Information: 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 approved stockbrokers for options trading.
  • Extra Repayments Additional Information: Indicates that the product has the option to accept extra repayments without incurring additional charges (for example Buy Now, Pay Later (BNPL) or line of credit products may offer the facility to repay instalments on an adhoc basis).
  • Relationship Management Additional Information: Relationship management is available for eligible customers.

 Product Eligibility

  • Min Age - 18. Additional Information: An individual or joint individuals who are over 18 years of age.
  • Residency Status - Australian Residency . Additional Information: Australian resident for tax purposes.
  • Business Additional Information: An Australian company or individual trustee of a family, discretionary or testamentary trust.

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: 0.00. Additional Information: 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.
  • Account Keeping Fee (Periodic), Amount: 0.00. Additional Information: No monthly account keeping fees for this product.
  • Transaction Costs (Event), Amount: 0.00. Additional Information: No transaction costs for this product.

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