NAB Margin Lending named Margin Lender of the Year

NAB Margin Lending has been named Margin Lender of the Year in the Money Consumer Finance Awards.

It was recognised for its competitive interest rates, zero ongoing service fees and a broad choice of underlying investments, including 700-plus international equities.

See the full list of winners in the Money Consumer Finance Awards 2026.

NAB Margin Lending at a glance

• Winner: Margin Lender of the Year
• Why they won: Competitive interest rates, zero ongoing service fees and a broad choice of underlying investments, including 700-plus international equities
• Top product: NAB Margin Loan

How margin lending works

Margin loans allow investors to borrow funds secured by a portfolio of listed securities and/or managed funds.

The loan money can then be used to buy additional investments while preserving personal cash reserves.

Borrowing to invest does add extra risk. Leverage (or borrowing) can amplify gains in a rising market. The downside is that it can also amplify losses if an investment market falls.

Understanding the risks and benefits

On one hand, margin loans can be tax-friendly, with the potential to claim a tax deduction on loan interest as well as offering opportunities to prepay loan interest in advance.

However, if your portfolio falls in value below the margin lender's minimum benchmark, you may be asked to chip in funds to reduce the loan balance or provide additional security.

As NAB Margin Lending points out, if you fail to do this, the margin lender may sell your investments to correct your position.

Award-winning lending solutions

NAB Margin Lending executive, Hannah Oakhill, says, "Being named Money's Margin Lender of the Year for a second consecutive year reflects the confidence investors place in our capability, and our consistent focus on delivering a reliable, fully featured margin lending offering.

"NAB Margin Lending has been established for 25-plus years, and remains committed to providing investors innovative gearing solutions for their investing needs."

Broad investment choice

Oakhill adds, "This stands out through our breadth of approved investments, including access to both Australian and International equities, and direct integration with nabTrade's trading platform.

This is supported by flexible interest rate options and specialist relationship support, allowing investors to efficiently manage complex, multi-asset portfolios."

Designed for experienced investors

Oakhill acknowledges that margin lending is not for everyone.

But notes that for experienced investors, margin lending "can provide flexibility at the right time. It is typically used by investors who understand market risk and are comfortable actively managing their portfolios."

Competitive pricing and integration

NAB Margin Lending's margin loans charge zero ongoing service fees, and are fully integrated with an investor's nabTrade trading account.

At the time of writing, on nabTrade margin loans up to $250,000, the variable rate is 8.75%, rising to 9.17% for a 1-year fixed rate. The more you borrow, the lower the rate.

Top product: NAB Margin Loan

NAB Margin Loan offers competitive interest rates, zero ongoing service fees and seamless integration with nabTrade.

Investors also have access to a broad range of approved investments, including more than 700 international equities.

Read more: View all winners in the Money Consumer Finance Awards 2026.

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