Margin Lending

A Westpac Margin Loan may help you make the most of your money by using gearing to leverage your equities exposure.
Category: Margin Loans  Last Updated May 19, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a FIXED product. Additional Information Fixed interest is paid in advance.
Interest Rate
10.25% 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, 10.25%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.25%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.25%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.25%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.35%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.60%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.60%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.35%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.35%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.45%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.45%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.55%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.55%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 10.70%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.70%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Other Additional Information: Choice of broker: Trade with any broker of your choosing or utilise one of our approved Platforms
  • Other Additional Information: Investment options: Borrow against a wide range of acceptable listed securities and managed funds
  • Other Additional Information: Repayments and fees: Flexible repayments with no set principal repayment schedule, transaction limits, or fees.
  • Other Additional Information: Online access: 24/7 online access to view and manage your account online via our portal.
  • Other Additional Information: Choice of acceptable securities: 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.
  • Other Additional Information: No application or establishment fees
  • Other Additional Information: Tools to manage your loan: 24/7 online access to view and manage your account online, Buffer alerts, Electronic margin call notifications
  • Other Additional Information: 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 also increase potential losses. The value of securities may not go up, or if they do, the increase in value may not be sufficient to cover the costs of the investment. You need to ensure that you can fund your obligations under your loan, including any interest, fees, and charges. If you can?t, the securities will be sold to satisfy these obligations. You should also consider the taxation consequences and seek independent professional tax advice.
  • 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: Individuals or joint borrowers, aged over 18 years
  • Residency Status - Australian Residency . Additional Information: Australian resident for tax purposes.
  • Business Additional Information: Individual Australian trustees for family or discretionary trusts, Australian companies, Australian company trustees for family or discretionary trusts

 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00 Additional Information: Minimum credit limit of $20,000, no minimum loan amount.

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