For individuals, companies, trusts
Tandem Margin Lending
Potentially increase your wealth by borrowing to invest in shares, ETFs and unlisted managed funds.
Tandem Margin Lending is a margin loan
Used to buy selected domestic and international listed securities and ETFs, and some managed funds.
Available to individuals, companies and trusts. Not available to self-managed superannuation funds.
You can borrow between 40% – 75% of the value of the selected listed security. You pay interest on the amount you owe us at a variable or fixed rate.
If the value of your portfolio falls, you may receive a margin call and must either sell part of your portfolio, provide additional security or repay the loan.
COMPETITIVE & FLEXIBLE
Current rate
VARIABLE RATE
9.15% p.a.
Last updated: 03/02/2026
Benefits
We offer competitive rates and a large investment menu.
Loan
drawdowns
Unlock equity by borrowing against existing holdings in your portfolio.
Dividends and
franking credits
With a larger portfolio you can increase your potential to earn dividends along with associated franking credits and take advantage of any capital gains.
Diversification
Create a more diversified portfolio without having to sell existing holdings.
Invest tax-
effectively
Potential tax deductibility of some or all of the interest on the loan (depending on your personal tax situation).
Ownership
You remain the beneficial owner of the stocks in your portfolio (unless you are in default).
No Fees
No establishment, account keeping or trust deed review fees and no minimum balance requirements. The facility can remain undrawn until required at no cost to the client.
Risks
While a geared investment can multiply your returns, it can also multiply your losses. Example risks include:
Potential
margin call
If the value of your portfolio falls sufficiently, you may receive a margin call and must either sell part of your portfolio, provide additional security or deposit funds. If you fail to do this, we may sell other assets to correct the position.
Interest
rate increases
A rise in interest rates may mean that dividend receipts cover less of the loan interest.
Increased gearing could lead to increased capital losses
Like any investment loan, investing through gearing involves risk. Gearing increases the size of your investments but also increases the risk of capital loss.
Is Tandem Margin Lending right for you?
Margin lending is not for everyone and should only be used as part of a wider investment strategy.
Tandem Capital does not provide financial product advice or tax advice. Before deciding whether to apply for a margin loan, we recommend seeking guidance from a financial adviser.
Additionally, we may need you to provide financial information to assess if a margin loan is unsuitable for individual retail investors, both when the facility is first opened and whenever a retail investor requests an increase in the credit limit.
Getting Started
How to Invest
Check your
eligibility
To be eligible to apply you must be:
- an individual or joint individuals who are over 18 years of age;
- an Australian company; or
- an Australian company or individual trustee(s) of a family, discretionary or testamentary trust.
Tandem Margin Lending is not available to superannuation funds
Read the
documents
You need to read and understand
- Tandem Margin Lending Product Disclosure Statement
- Tandem Margin Lending Brochure
- The Bell Financial Trust Product Disclosure Statement and Additional Information
- Approved Securities List
Submit an
application
Submit the completed application form and supporting documents.
You can apply for Tandem Margin Lending directly or through your financial adviser.
Other information
Key documents
Tandem Margin Lending Product Disclosure Statement
Tandem Margin Lending Brochure
Approved Securities List – Domestic
Approved Securities List – International
Tandem Margin Lending Application Form (Apply Online)
Tandem Margin Lending Application Form
Bell Financial Trust Product Disclosure Statement and Additional Information
The Bell Financial Trust Target Market Determination (TMD) is available free of charge by contacting Bell Potter Capital Ltd on 1800 100 822 or by clicking on this link. Previous versions of the TMD are available by calling 1800 100 822.
tandem capital Online Portal
Investors in Tandem Margin Lending can view their holdings and historical correspondence via Tandem Capital Online.
Advisers can also access Tandem Capital Online to view their clients’ Tandem margin lending details, ensuring they can provide informed guidance and support.
