In addition to competitive rates, take advantage of:
A simple application process
Fast access to funds once approved
Flexible repayment options
Option to pledge multiple eligible accounts as collateral
Liquidity Access Line is a securities based loan that uses the eligible securities in your brokerage account as collateral for a line of credit. You can use the funds to finance a variety of needs, such as real estate, tax payments, and educational expenses, without potentially disrupting your investment strategy.**
With a fixed interest rate on Liquidity Access Line, your rate will remain constant over the life of the advance, even in a changing interest rate environment.
For A Limited Time Only, Take Advantage of Promotional Fixed Rates
With a fixed interest rate on Liquidity Access Line, your rate will remain constant over the life of the advance, even in a changing interest rate environment.
5.15%
For 1 Year
4.99%
For 3 Years
Looking for a Flexible Financing Option?
OR CONTACT A MEMBER OF YOUR MORGAN STANLEY TEAM***
Is Liquidity Access Line Right for You?
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures at the bottom of this page.
Important Considerations
- For clients that have an existing Liquidity Access Line, the promotional rate will apply to new eligible advances that are an increase over the closing balance on 2/28/25. Any Liquidity Access Line balance paid down after 2/28/25 will reduce the eligible amount of new advances for the promotional rate. Promotional rates may not be applied to advances used to pay down another Morgan Stanley loan product.
- A prepayment fee will apply if the client pays off any portion of the principal of a Fixed Rate Advance prior to the payment date, including if the loan is demanded. For greater clarity, this means that the fee can apply in the event of a demand of your LAL, in the event that all or a portion of any Fixed Rate Advance needs to be repaid in order to satisfy a maintenance call, or in the event that you choose to prepay any Fixed Rate Advance in an effort to take advantage of changing market conditions. The prepayment fee can vary widely based on, among other things, prevailing rates at the time of the prepayment and the remaining time left on the Fixed Rate Advance.
- Rates are subject to change during the promotional period, but once you take a Fixed Rate Advance your rate will not change for the time period you selected.
- Principal payments made during the promotional period will reduce the eligible amount of new advances for the promotional rate.
- When the term of the Fixed Rate Advance ends, any remaining balance will be added to the balance of the Liquidity Access Line at the variable rate effective as of that date.
- Additional Fixed Rate Advance terms are available at non-promotional rates. Talk to your Morgan Stanley Team for more information.
