Skip to main content
Locate us

Margin Lending

A margin loan lets you borrow funds against your own investment to buy more financial products. It can magnify the gains to generate further wealth, but can also magnify the losses.

Borrowing to invest

Investors are always on the lookout for ways to boost their investment power in a tax effective way.  A margin loan from Bendigo and Adelaide Bank's margin lending specialist Leveraged, provides access to funds to gain additional exposure to investments, dividends, franking credits and the potential to accelerate investment returns.

The margin loan products referenced on this page are issued by our wholly owned subsidiary Leveraged Equities Limited.

Why a Leveraged margin loan?

Competitive rate

Take advantage of discounted rates with a 6 or 12 month fixed rate loan.

Tax effective

Interest paid up to 30 June, including amounts paid in advance, may be tax deductible this financial year.

Comprehensive product suite

Best of breed products and features including a monthly repayment plan in case of a margin call with our Investment Funds Multiplier.

Shares/ETFs/Managed funds

Comprehensive and diverse Acceptable Investments List.

International securities

Extensive list of international securities across developed markets.

Customer satisfaction

Dedicated Customer Service Team to assist you with any queries.

Graph showing how quickly you can achieve your financial goals using a margin loan versus other investment options when investing in the stock market.

How does borrowing to invest in shares compare?

See how quickly you can achieve your financial goals in a given timeframe using a margin loan versus different investment options with our Financial Goals Simulator.

Want to learn more?

Learn all about gearing and how you can build wealth with these handy videos.

Load video
Gearing explained

Gearing into equities may sound complicated, but it's actually a very common way of building wealth. In simple terms, if you have money that you want to invest in shares or managed funds, gearing into equities is where you can borrow more money using a margin loan, allowing you to buy more shares. Why do this? Well, the more shares you have, the greater your return will be if the shares increase in value.

For example, Dave has $15,000 that he wants to invest in some shares. After speaking with his relationship manager at Leveraged, Dave discovered that based on the shares he wants to buy, he can borrow up to $35,000 through a margin loan and gear his investment. Dave decides to borrow only $25,000 and buys $40,000 worth of shares. Six months later, his investment has gone up by 4% and paid a 2% dividend. In this scenario. Dave has earned $2,400. But what if he decided not to gear and just invest his own money? Dave would still have made $900, but this is only around 40% of what he could have made in the first scenario. Of course, there is interest to be considered, but overall, Dave is in a better position by choosing to gear in this example.

Gearing into equities can be a great way to build wealth for medium to long term investments. But remember, just as gearing can magnify your returns, it can also magnify your losses. If you have questions or would like to learn more about gearing into equities, why not speak with us at Leveraged? They can take you through your options and point you in the right direction to securing your financial future and achieving your goals.

Load video
Combining strategies to build wealth

Meet Jess. Like most of us, Jess has big life goals, like buying a house, furthering her education, travel, and retiring comfortably. But to achieve all this, it's going to cost Jess money, money she currently doesn't have and money that may take a long time to save.

Luckily, Jess has a plan to make sure she has the money she needs at the time she needs it. She decides to combine two powerful investment strategies, the discipline of a regular savings plan plus regular monthly borrowed funds to help her build wealth for a future.

Jess lands her first job and starts thinking about buying a house, but she knows it's going to be tough to say for a deposit for her first home through cash savings alone. So Jess decides to borrow money to invest in shares and managed funds.

As Jess contributes money to invest each month it is matched with loan capital, accelerating her progress towards her goal. This means that she could have her new house deposit more quickly than if she'd saved through cash alone. Jess sells some of her shares and takes out a mortgage to buy the house. Way to go, Jess.

Soon after Jess meets Michael and they have two children. As Jess has continued to regularly invest, she's been able to pay for lots of things that come up, like her children's education or even her own studies.

With the kids almost ready to leave home, Jess is now focused on building wealth for her retirement, as she knows how important it is to not solely rely on superannuation.

Jess continues to invest. When the time is right, she can then sell some of her investments to pay off her mortgage. In this instance, Jess will still have investments that can continue to grow outside of superannuation, seeing her through a comfortable retirement.

This investment strategy help Jess through three important stages of her financial life. Borrowing to invest can be a great way to build a wealth for medium to long term investments, but remember there are risks involved. And just as it can magnify your returns, it can also magnify your losses.

To see if this strategy is right for you, talk to your financial advisor or contact Leveraged, we'll point you in the right direction.

Seamless integration with Bendigo Invest Direct

A margin loan from Leveraged is fully integrated^ with our easy to use, affordable online share trading platform, Bendigo Invest Direct (BID). 

BID is all about confidence, providing all the market leading research, sophisticated analytics tools,  speed and access you need to identify opportunities and execute trades.

^ Executing Exchange Traded Options (ETOs) trades using a margin loan, is only available via phone.

Things you should know


The Leveraged Equities Margin Loan, Investment Funds Multiplier and Direct Investment Loan are issued by Leveraged Equities Limited ABN 26 051 629 282, AFSL 360118 (“Lender”) as Lender and as a subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (“Bendigo”). The Lender and Bendigo receive remuneration on the issue of the product or service they provide. Investments in this product are not deposits with, guaranteed by, or liabilities of Bendigo nor any of its related entities. The information provided is general advice only and does not take into account your personal objectives, financial situation or needs. It does not constitute financial or tax advice. We recommend that you obtain your own independent professional and tax advice on the risks and suitability of this type of investment and to determine whether your interest costs will in fact be fully deductible in the current financial year in your particular circumstance. Terms, conditions, fees, charges and normal lending criteria apply. Please consider your personal circumstances, consult a professional investment adviser and read the Product Disclosure Statement (PDS) and Product Guide available at or call 1300 307 807 before making an investment decision in relation to this product. Not suitable for a self-managed superannuation fund.

Bendigo Invest Direct

*Online trades only, other rates apply to trades outside the selected markets. Refer to the full list of brokerage rates for more information.

Bendigo Invest Direct is a service provided by CMC Markets Stockbroking Limited ABN 69 081 002 851, AFSL 246381 (“CMC Markets Stockbroking”), a Participant of the ASX Group (Australian Securities Exchange), SSX (Sydney Stock Exchange) and Chi-X (Chi-X Australia)), at the request of Bendigo and Adelaide Bank ABN 11 068 049 178, AFSL 237879 (“Bendigo”). Execution, settlement and clearing services are provided through CMC Markets Stockbroking. Neither CMC Markets Stockbroking nor Bendigo are representatives of each other. To the extent permitted by law, Bendigo will not guarantee or otherwise support CMC Markets Stockbroking's obligations under the contracts or agreements connected with the Bendigo Invest Direct service.

The information provided is general advice only and prepared without considering your personal objectives, financial situations or needs. It’s important that you consider your personal circumstances and view the relevant Terms and Conditions and other information relating to the Bendigo Invest Direct service before making any investment decision. The Financial Services Guides for CMC Markets Stockbroking and Bendigo contain details of fees and charges. All of these documents are available at or you can call us on 1300 788 982.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

© Copyright 2023 Bendigo and Adelaide Bank