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  Margin Lending

Borrow money to invest in shares, managed funds, master trusts and wraps.
Category: Margin Loans  Last Updated June 3, 2024  Effective December 18, 2024

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT product. Additional Information Paid in advance on nominated terms (Prepaid interest is non-refundable and there are break costs).
Interest Rate
9.15% 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..
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Variable
  • Interest Rate: 10.08%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 9.83%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  0 to 249,999
  • Lending Rate Type: Fixed
  • Interest Rate: 9.65%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  250,000 to 499,999
Minimum: $250000.00 Maximum: $499999.00
  • Lending Rate Type: Fixed
  • Interest Rate: 9.40%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  Above 500,000
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 9.15%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Bigger returns : A margin loan gives you more to invest and you have the potential for bigger returns.
  • Other Additional Information: Unlock the equity in your existing investments : Raise cash for investment purposes without having to sell your investments.
  • Other Additional Information: Support your retirement goals : Investors may use a margin loan as a means of building their wealth for retirement.
  • Other Additional Information: Greater diversification of your portfolio : Spread your investments across a broader range of assets to build a more diversified portfolio.
  • Other Additional Information: Tax effectiveness : Interest paid on your loan is generally tax-deductible.
  • Other Additional Information: 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 tax prepayment rules).
  • Other Additional Information: 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.
  • Other Additional Information: Australian shares often generate franked dividends, which yield imputation credits that may be used to offset other tax liabilities.
  • Other Additional Information: Wide range of acceptable securities.
  • Other Additional Information: 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.
  • Other Additional Information: Acceptable Securities List : St. George Margin Lending offers a wide range of shares, managed funds and master trusts, with a range of loan to value ratios.
  • Other Additional Information: Learning centre : Our Learning Centre has been developed to give you a better understanding of margin lending and to help you consider it is appropriate for you.
  • Other Additional Information: Savings Gearing : Using your existing investment portfolio or cash as security, you can make regular investments every month with loan advances from your borrowed funds.
  • Other Additional Information: Call options : Writing call options gives you the potential to earn additional income from the investments in your portfolio. St. George Margin Lending allows you to write call options using your margin lending facility.
  • Other Additional Information: Manage your loan : At St. George we want to help you manage your loan quickly and easily. So, we have provided the forms you are most likely to need all in the one space.
  • Other Additional Information: Diversified feature : For investors who hold three or more qualifying securities, the Diversified feature provides access to an extended range of equities.
  • Other Additional Information: Servicing wholesale applicants : Access to our dedicated relationship managers, preferential interest rates and a more streamlined application process.
  • 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.
  • Other Additional Information: Internet account access : An online service that allows you to view and manage your margin lending accounts anywhere, anytime.

 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 (Transaction), Amount: 0.00. Additional Information: No transaction costs for this product.

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00

 Document Downloads

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