Margin Lending

• Exclusive Offer
• Why Margin Lending
• Why CommSec
• Case Studies
• Interest Calculator

Welcome to our new Fixed vs Variable Interest calculator!*

Our calculator can help you make an informed decision about fixing your Margin loan, so you can see the potential cost savings between a fixed and variable interest rate.

Our calculator allows you to compare how much interest you will pay if you fix all of your loan or choose to split between a fixed and variable rate compared to how much interest you'll pay on a variable rate only.

How to use the calculator

• Enter your loan details, the fixed period and the portion of your loan you would like to fix.
• Enter your margin lending interest rates*
• Adjust the variable interest rate to see how future interest rate movements affect your interest payments.

If you have any questions or to discuss alternative interest rate arrangements that may better suit your needs, please contact our margin lending specialists on 13 17 09.

Note: Current 1 year fixed headline rate is 8.49%. Current variable headline rate is 8.88%

CommSec Margin Lending facilities are provided by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (the Bank) and administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec). CommSec and the Bank are members of the Commonwealth Bank of Australia Group of Companies (Group). All applications are subject to the Bank's credit approval process. Please obtain and consider the product disclosure statement (PDS), and Terms and Conditions, available from the Bank as the product issuer, at commsec.com.au before making any decision about the product. Fees and charges apply.
All recipients should, before acting on the information in this calculator, consider the appropriateness and suitability of the information, having regard to their own objectives, needs, financial and taxation situation and if necessary, seek appropriate independent financial and taxation advice. 

Important information about the calculator

*The results do not take into account additional payments and assume your loan balance remains the same for the period you have selected. Interest rates are indicative and are subject to change without notice. The results shown above are estimates for illustrative purposes only and actual outcomes may vary significantly.

No member of the Group guarantees the accuracy or reliability of this service. . The Group does not accept any liability for any loss or damage arising out of the use of all or any part of this calculator.  The Group are under no obligation to, and do not, update or keep current the information contained in this calculator. Any valuations, projections and forecasts contained in this calculator are based on a number of assumptions and estimates and are subject to contingencies and uncertainties. Different assumptions and estimates could result in materially different results.  This calculator is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject any entity within the Group to any registration or licensing requirement within such jurisdiction.

All material presented in this calculator, unless specifically indicated otherwise, is under copyright to the Group. None of the material, nor its content, nor any copy of it, may be altered in any way, transmitted to, copied or distributed to any other party, without the prior written permission of the appropriate entity within the Group.