Standard Margin Lending Facilities

Understand the opportunities and risks of borrowing to invest.

Margin lending lets you borrow against your portfolio to increase your investment exposure — magnifying gains, but also losses. We give you clear-eyed advice on whether gearing suits your circumstances and how to manage the risks if it does.

Gearing is a strategy, not a shortcut

We model downside scenarios before you borrow a dollar, so you know exactly how the facility behaves in a falling market.

Working with us, you can expect our team to:

Suitability assessment for geared investing

Facility selection and loan-to-value settings

Margin call risk management

Tax considerations of investment borrowing

Insight shaped by your goals and your stage of life.

The best financial advice starts with understanding your goals, your stage of life, and what you want your money to make possible.

Before advice is given, we take the time to dig deeper — to understand what you've built, what you're protecting, and the milestones ahead. Every recommendation ties back to your documented goals and risk profile, not market noise.

You'll work with advisers who deal with families, professionals and business owners every day, so your advice is practical, personal and grounded in real life — not a template.

Securing your financial future.

Financial Advice

Queensland's Trusted Financial Advice Experts.

Our advisers are recognised leaders in their field — shaping strategies for families, professionals and business owners from our offices in Brisbane, Noosa and Maroochydore. When you face high-stakes financial decisions, you'll have experienced people on your side.

Contact

Speak with a JCA-BNH Adviser

Get in touch and we'll connect you with the right adviser for your needs.

Prefer to talk? Call 1300 264 346 or book a free 30-minute consultation.

JCA-BNH.

Questions?

FAQ

A margin loan lets you borrow against your investment portfolio to increase your market exposure. Gearing magnifies gains — and losses — so it suits investors with the income, time horizon and temperament to manage the risk.

If your portfolio's value falls below the lender's required loan-to-value ratio, you must add funds or sell assets. Before you borrow a dollar, we model exactly how your facility behaves in a falling market so a margin call never takes you by surprise.

Only if you have stable income to service the loan, a long investment horizon and a genuine tolerance for volatility. We give clear-eyed suitability advice — and we'll tell you plainly if gearing isn't appropriate for your circumstances.

Interest on investment loans is generally tax-deductible, which is part of gearing's appeal — but tax should never be the sole reason to borrow. We weigh the after-tax outcome across realistic market scenarios.

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