Hi all, Im relatively new to the boards, and to the whole investing game. In light of my current situation, where i'm basically earning alot of money, with basically no debts, and expenses, i've chosen to make use of my money, rather than have it just sitting there. My financial plan is basically to try and build up a nice portfolio in direct shares, using both my own capital, and a substantial margin loan. Im basically considering one of two options, depending on how much capital I have at the time of getting the loans; $10,500 of my own capital and a $24,500 margin loan. $21,000 of my own capital and a $49,000 margin loan. These figures may change a little bit, I may lower my LVR, but for now, these figures are just to give you an idea on my situation. I would also be pre-paying the interest for 12 months, unless I can get a cheaper rate paying monthly in arrears. So, my question is; Who are the best margin lenders out there? And who would you reccommend? My main concern is the interest rate, i'd like to get the lowest possible interest rate I can find. And please, im new to all of this, so if theres other things I should take into consideration besides interest rates, by all means, let me know. (Also, im well aware some people find customer service very important. But ideally im hoping to not have to deal with the lender for 12 months.) The cheapest interest rate i've been able to find is thru Suncorp, and is 8.35% pre-paid 12 months. Suncorp also seems like a good, well established, reputable company. All feedback would be greatly appreciated, thanks guys.