Margin Lending

Build your portfolio faster with BT Margin Lending.
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Borrowing to invest or “gearing” gives you the opportunity to achieve greater returns by increasing the amount you invest. Whilst gearing also magnifies potential losses, it can also help you diversify your investments as you have more money to spread into more managed funds or listed securities, without having to sell some of your existing investment portfolio.

A margin loan lets you borrow money to invest in listed securities or managed funds, using existing cash, shares or managed funds as security. Depending on your situation you could also be able to use some valuable tax strategies like negative or positive gearing. Learn more about how a Margin Loan works.

Our margin loans

  • Standard BT Margin Loan
    You can borrow funds to invest in a wide range of shares, managed funds and instalment warrants at competitive interest rates. It’s a simple and flexible way of increasing the size and diversification of your investment portfolio.

    The lending ratio (LVR) is the amount we’ll let you borrow against an individual security. With the standard BT Margin Loan this is between 35% and 80% depending on the particular security.
  • BT Margin Lending_Online
    This BT Margin Loan is only available online. The loan is linked to a Westpac Broking or an E*TRADE online share trading account. With this loan you can take advantage of a discount of at least 0.20 percentage points on the standard interest rate and enjoy Straight Through Processing of your trades.

    The LVRs and range of investments available are the same as for the standard BT Margin Loan.
  • BT Absolute Investment Loan
    The BT Absolute Investment Loan is a 100% gearing loan - you borrow 100% of the investment.

    This loan is suitable for experienced investors looking for a combination of gearing, alternative investments and the potential for significant tax benefits.

Interest rates

You can choose to either:

The variable rate is paid monthly in arrears; the prepaid interest rate can be set for 3, 6, 9 or 12 months. 

Prepaying interest before the end of the financial year can help you manage your cashflow and may help bring forward a tax deduction.

Lending ratios (LVR)

A lending ratio or loan-to-value (LVR) is assigned to each investment in your loan portfolio.  The lending ratio is the percentage of the investment’s market value we will lend you. BT Margin Lending will lend between 35% and 80% of the market value of over 1,400 listed shares and managed funds.

A word about risk

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