Margin

I can seize investment opportunities, as they arise
Increase your purchasing potential with a fixed rate secured loan
6.99%

fixed interest rate

(as of 1st January 2016)

At TD, we do all we can to help our customers prosper. That means giving you the control to pursue your financial goals. Even when you don’t have the upfront funds to make the investments you want.

Are you looking to build your portfolio, without additional funding, or even take out a cash loan? Using your securities as collateral, you can borrow against the value of your holdings at competitive market rates. So you can act on opportunities at a moment’s notice – and only pay interest on what you use.

Margin trading involves a high degree of risk to your capital and is not suitable for all investors.

Make the most of your Margin with TD

  • Invest in more stock, without selling current investments
  • Transfer cash out to spend as you wish, retaining stock ownership
  • Borrow at a competitive fixed interest rate of just 6.99%
  • Make no repayments, while you hold the required stock equity
  • View your available Margin easily online
  • Remember to consult your financial advisor before borrowing to invest

 

See how much you could borrow

Your Available Margin is calculated using your portfolio stock, margin rate and cash balance. For example:

  • Margin Loan (with cash) If you hold $10,000 cash and want to buy stock with a Margin rate of 30%, you can invest up to $33,333 by borrowing $23,333

  • Margin Loan (with stock, no cash) If you hold £10,000 of stock with a Margin rate of 30%, and wish to invest in stock which also has a margin rate of 30%, you can borrow £23,333 so your portfolio will be worth £33,333

  • Secured Cash Loan/Withdrawal (with stock, no cash) If you hold 10,000 EUR of stock, with a Margin rate of 30%, and have no existing debt, you can make a cash withdrawal of up 5,250 EUR

Please maintain a buffer, rather than spend your full Available Margin. In the event of a Margin call, you will have to sell stock or pay back part of the loan, to cover the Margin call at short notice.

Please note that TD Direct Investing International reserves the right not to grant you a Margin Loan. In addition, the limit may vary depending on the value of your portfolio.

See how much you will pay

Borrow at a competitive fixed interest rate of just 6.99% across all currencies

 

Currency Margin & Secured cash loan
interest rate
Overdraft
interest rate
All currencies 6.99% 9.99%

The TD difference

Access the funds you need to pursue your investment goals

Increase your stock investment opportunities with margin trading

Take out a secured cash loan, leveraging your assets

Enjoy a fixed interest rate of 6.99%, with flexible repayment terms

Set up your loan quickly and easily. No need to reapply to reactivate

Discuss how much you can borrow with our helpful Customer Services team

Any questions ?