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ANZ Share Investment Loan

Embrace opportunity and potentially accelerate your wealth with a tax-efficient margin loan.

Access your ANZ Share Investing account

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Go further with your dollar

Most people are familiar with the concept of borrowing money to invest in property. The same principle applies to margin loans where the amount you borrow to invest is secured against the shares and/or cash in your portfolio.

With a margin loan, you can expand your investment portfolio much faster than if you were relying on savings alone, potentially giving access to more growth opportunities.

Details at a glance

May be suitable if you:

  • are confident managing your own portfolio
  • have a strong credit history
  • are an individual, joint account, company or unregulated trust
  • want to magnify your exposure and are comfortable with added risks

Minimum loan amount:


Variable interest rates from:


More rates and fees

Features and benefits

Competitive Loan to Value Ratios

Enjoy the flexibility to invest how you want with a competitive Loan to Value Ratio (LVRs) on multiple securities.

Tax efficient

Interest incurred on your loan may be tax-deductible. You can also bring these deductions forward by up to 12 months by pre-paying the interest component of your ANZ Share Investment Loan.

Online convenience

Seamless integration with ANZ's Share Investment Loans with ANZ Share Investing means you can move rapidly to take advantage of opportunities.

Personalised service

We understand that you want one person to contact when you need help. That's why we give you your own dedicated account manager.

Diversified feature

Enhance your potential with ANZ Share Investment Loan's diversified feature.

  • Access opportunities to diversify your portfolio
  • Borrow against a market-leading Approved Securities List (ASL)
  • Increase leverage with the added flexibility of higher LVRs and make the most of market opportunities
  • Consolidate your holdings to increase your borrowing power

Learn more about the Diversified Feature in our ANZ Share Investment Loans (PDF 198kB) booklet. 


Things you should know

All investing has some risks and when you borrow to invest, extra risks apply. Here’s a summary of some of the things you need to be aware of:

  • The value of your investments could fall instead of rise, risking some or all of the money you invested and the security you provided. 
  • The potential for accelerated returns means your potential losses are accelerated too.
  • If your shares drop in value they can fall below the allowable LVR and you'll be placed into margin call. In this case, you’ll need to add further security in the form of additional shares or cash. Alternatively, you'll need to sell your shares to correct your loan's LVR.
  • If you don’t meet your margin call within 24 hours, we can sell some or all of the investments used to secure your loan.

To make sure you’re across all of the risks involved with investment lending, and what you can do to help minimise your risk, read ANZ Investment Lending Terms and Conditions (PDF 235 kB) and ANZ Investment Lending Product Disclosure Statement (PDF 505kB) and seek professional financial advice.

Rates and fees

Interest ratesdisclaimer

Loan value Variabledisclaimer Fixeddisclaimer (6 & 12 months)


5.88% p.a.

5.70% p.a.


5.88% p.a.

5.65% p.a.


5.88% p.a.

5.60% p.a.

More rates and fees


How to apply

  1. Apply for an ANZ Share Investing account
  2. Verify your identity
  3. Deposit funds in your account
  4. Start trading!

Details to have handy

  1. Current Australian driver’s licence, and
  2. Australian birth certificate or Australian citizenship certificate, or
  3. Australian passport (current or one that has expired within the last two years) or current foreign passport including the signature page.

Not opening an individual account? Complete the application and we'll let you know what documentation you need to provide.



Why choose us?

  • Flexible trading platforms that let you trade on the go
  • Powerful trading tools, advanced charting and trusted research
  • Trade with your own funds or borrow from ANZ
  • Seamless integration with ANZ Internet Banking and ANZ Investment Lending
  • Immediately trade sale proceeds prior to settlement
  • Earn Qantas Pointsdisclaimer when you trade

Contact us


1300 658 355

Monday – Friday, 8am – 8pm (Sydney/Melbourne time)


Send us an email


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The ANZ Share Investing service is provided by CMC Markets Stockbroking Limited ABN 69 081 002 851 AFSL 246381 (CMC Markets Stockbroking), a Participant of the Australian Securities Exchange (ASX Group), Sydney Stock Exchange (SSX) and Chi-X Australia (Chi-X) at the request of Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ). Disclosure documents relating to ANZ Share Investing products and services are available on or by calling us on 1300 658 355. ANZ is the issuer of the ANZ Cash Investment Account and ANZ V2 PLUS Account. The obligations of CMC Markets Stockbroking are not guaranteed by ANZ. CMC Markets Stockbroking and ANZ are not representatives of each other.


The ANZ Share Investment Loan is provided by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, AFSL 234527 ("ANZ").

An ANZ Share Investment Loan is subject to investment risks, including possible losses in income, capital invested and additional liability for the loan. We therefore strongly advise you talk to your financial planner, tax adviser and/or stockbroker and ensure you understand the risks, the specific tax implications as well as the legal and financial ramifications of a share investment loan.

ANZ does not give personal advice about the ANZ Share Investment Loan. This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of the information, having regard to your objectives, financial situation and needs. ANZ recommends that you read the ANZ Share Investment Loan Product Disclosure Statement and the ANZ Investment Lending Terms and Conditions which are available at or by calling the Client Services Team on 1800 639 330 between 8.00am and 6.00pm (Sydney time) during ASX trading days before deciding whether to acquire, or to continue to hold the product.

All ANZ Share Investment Loan applications are subject to ANZ’s credit approval criteria. Fees and charges apply and are available here or by calling the Client Services Team on 1800 639 330 between 8.00am and 6.00pm (Sydney time) during ASX trading days.

Rates are subject to change.


Variable interest rates are subject to change.


Fixed interest rates shown are for terms of 6 or 12 months. Other fixed terms of up to 5 years are available. If you opt to pay in arrears, interest will be charged at 0.25% p.a. higher than if you prepay interest.


You must be a member of the Qantas Frequent Flyer program in order to earn Qantas Points. A joining fee may apply. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. ANZ Share Investing customers can earn 1 Qantas Point per AU$3 spent on  brokerage fees on shares, ETFs, interest rate securities, warrants and options by providing your Qantas Frequent Flyer number to ANZ Share Investing prior to trading. For shares, ETFs, interest rate securities, warrants and option trades, this offer only applies to trades executed where orders are placed under ANZ Share Investing retail User IDs on ANZ Share Investing retail accounts.

Qantas Points will be calculated based on the brokerage amount on trades involving shares, ETFs, interest rate securities, warrants and options. GST is included, for the purpose of calculating Qantas Points earned. Qantas Points cannot be earned on phone trades, trades placed through IRESS, SMS contract note confirmation fees or hard copy contract note fees, trades executed or fees charged for Off Market Transfers and miscellaneous trading fees which may include stamp duty, transaction fees or exchange related fees. 

Only the User ID under which the order is placed is entitled to earn Qantas Points. To accrue Qantas Points against your User ID, you must have entered your Qantas Frequent Flyer number on the ANZ Share Investing platform prior to placing an order.

Please allow up to 10 business days for your Qantas Points to be credited to your Qantas Frequent Flyer account. 

ANZ Share Investing reserves the right to terminate or vary this offer at any time, without notice.