I am looking at other investment opportunities like commercial property etc. This can happen anytime, I m not sure when but I like to get ready. The plan is to get a property and borrow from my bank. It's the easiest and cheapest way I would think. But in case my bank doesn't lend me the money or only willing to lend less than the amount needed my other option would margin lending. I have never done margin lending and prefer not to (old school way of thinking maybe). Can you share with me who your margin lender is? What is the current IR you are paying? In general how long will it takes to get one setup and ready to use? One other important thing, if say I transfer 500K of share to a margin lender and I want to borrow 300K and the shares has LVR of 70%. Can I take the 300K out to pay for a property that I bought? I want to use it as a borrowing facility for other purpose and use the shares as colleteral.