Skip to main content Skip to main navigation Skip to accessibility page Skip to search input

The BankSA Margin Loan is no longer available to new applicants

If you have any queries regarding your existing BankSA Margin Loan account, please call BankSA Margin Lending on 1300 305 172 (Mon - Fri, 8am to 5pm), email or login to your account on the BankSA Margin Lending Portal. Your terms and conditions are still available for download by clicking on 'Margin Lending facility agreement' below.

If you would like to apply for a new Margin Loan, the St.George Margin Loan is still available to new applicants.

Guide to BankSA Margin Lending

A margin loan lets you borrow money to invest in shares, managed funds, master trusts and wraps. This is also known as gearing. Just like investing in property where the loan is secured against the property, you margin loan is secured against your shares, managed funds, master trusts and wraps. A margin loan gives you more to invest, and you have the potential for bigger returns. Find out more.

Margin lending can offer a range of benefits including:

  • Bigger returns. A margin loan gives you more to invest and you have the potential for bigger returns.
  • Unlock the equity in your existing investments. Raise cash for investment purposes without having to sell your investments
  • Support your retirement goals. Investors may use a margin loan as a means of building their wealth for retirement.
  • Greater diversification of your portfolio. Spread your investments across a broader range of assets to build a more diversified portfolio.
  • Margin lending can be tax-effective
    • Interest paid on your loan is generally tax-deductible.
    • 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).
    • 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.
    • Australian shares often generate franked dividends, which yield imputation credits that may be used to offset other tax liabilities.



You can also select from the following features …

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.


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.


Acceptable Securities List

BankSA Margin Lending offers a wide range of shares, managed funds and master trusts, with a range of loan to value ratios.

Learn more


At BankSA 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.

Learn more

Call options

Writing call options gives you the potential to earn additional income from the investments in your portfolio. BankSA Margin Lending allows you to write call options using your margin lending facility.

Learn more

Internet account access

An online service that allows you to view and manage your margin lending accounts anywhere, anytime.

Learn more

Variable Rates

  • 10.33% p.a. $0 to $249,999.99
  • 10.08% p.a. $250,000 to $499,999.99
  • 9.83% p.a. $500,000 and over

Fixed Interest Rates (up to 12 months)

  • 9.05% p.a. $0 to $249,999.99
  • 8.80% p.a. $250,000 to $499,999.99
  • 8.55% p.a. $500,000 and over

Email us
We will get back to you with an answer in 2-5 business days
1300 305 172
Speak with the margin lending team
Important information

BankSA - A Division of Westpac Banking Corporation is the issuer of the BankSA Margin Lending Margin Loan Product Disclosure Statement (“PDS”). This information has been prepared without taking into account your personal objectives, financial situation or needs. For this reason, before acting on the information you should consider its appropriateness to your objectives, financial situation or needs and consider the disclosure documents which include the PDS. The PDS and other disclosure documents are relevant when deciding whether to acquire or hold this product and can be obtained by calling 1300 305 172. Applications for credit are subject to the issuer's prevailing lending criteria. Terms and conditions apply to the product.