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Margin Lending

Gain access to funds to build wealth and boost your investment power.

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.

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 – watch the video to learn more.

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 Relationship Managers - Voted number 1 in customer satisfaction.*

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.

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Video explaining how gearing works
Gearing explained
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Video explaining how to fix and prepay interest on your margin loan
Benefits of fixing and pre-paying interest
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Video explaining how you can combine two strategies to build wealth
Combining strategies to build wealth

Seamless integration with Bendigo Invest Direct

A Leveraged margin loan 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. 

Young man on his mobile learning about how easy it is to start investing on the stock market with Bendigo Invest Direct.


Gearing involves risk. It can magnify your returns, however it may also magnify your losses.
Issued by Leveraged Equities Limited (ABN 26 051 629 282 AFSL 360118) as Lender and as a subsidiary of Bendigo and Adelaide Bank Limited (ABN 11 068 049 178 AFSL 237879). This contains general advice only and does not take into account your personal objectives, financial situation or needs. Please consider your personal circumstances, consult a professional investment provider and read the Product Disclosure Statement (PDS) and Product Guide before making an investment decision. To obtain a copy of the PDS and relevant information please call 1300 307 807, visit or contact your financial adviser.

Bendigo Invest Direct

Bendigo Invest Direct is a service provided by CMC Markets Stockbroking Limited ABN 69 081 002 851 AFSL No. 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 Ltd ABN 11 068 049 178, AFSL 237879 (“Bendigo"). This is general advice only and does not take your personal objectives, financial situations or needs into account. For a copy of the terms and conditions relating to the Bendigo Invest Direct services and the Financial Services Guides (FSG) for CMC Markets Stockbroking or Bendigo (or other relevant disclosure documents), contact us on 1300 788 982 or via email at 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 agreement connected with Bendigo Invest Direct.

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.

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