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A margin call usually occurs when the market value of your security portfolio falls significantly, which in turn will reduce your borrowing limit. This will also cause a rise in your gearing level, as your loan balance has not changed. If your current gearing level exceeds your maximum loan to value ratio, a margin call may occur. To provide you with some breathing space in this instance, we offer a buffer, which is added to the market value of the approved securities in your portfolio.

Jim also chooses to prepay his interest in advance, as it is tax deductible based on his own personal financial circumstances. In 5 years' time Jim intends to cash in his portfolio. If at this time it has increased in value, he will be able to pay off the loan and keep any extra amount.

During the 5-year period there may have been a margin call. This would have been made if the amount Jim owed was more than his portfolio security value, and he would have had to put in additional capital of his own, or sell part of his portfolio to restore the margin.

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The information contained on this website does not constitute the provision of advice or constitute or form part of any offer, solicitation or invitation to subscribe for or purchase any securities or other financial product nor shall it form part of it or form the basis of or be relied upon in connection with any contract or commitment whatsoever.

Any securities or prices used in the examples on this website are for illustrative purposes only and should not be considered as a recommendation to buy, sell or hold. Past performance is not a reliable indicator of future performance. This website may contain material provided directly by third parties. This information is given in good faith and has been derived from sources believed to be accurate at its issue date.

While such material is published with necessary permission, no company in the Westpac Group nor any of their related entities, employees or directors together, "Westpac" , nor the Participant, accepts responsibility for the accuracy or completeness of, or endorses any such material. This website may also contain links to external websites. Westpac and the Participant do not accept responsibility for, or endorse the content of, such external websites.

Except where contrary to law, Westpac and the Participant intend by this notice to exclude liability for material provided directly by third parties and the content of external websites. How to enable JavaScript in your browser and why. The interest rate on outstanding loans increased by …. The loans margins have increased since December last year. The fixed- interest rate on new mortgages fell by …. The fixed- interest rate on new mortgages decreased by 0.

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