Key Benefits

Nationally recognised

The units that make up this course fall under the Australian Qualifications Framework. You may be able to use them as a pathway to higher education. They’ll be recognised across the country for the purposes of employment and professional development.

ASIC + RG146 compliant

This course has been assessed as meeting ASIC’s RG146 education requirements. This regulatory guideline outlines the knowledge and skills areas required to deliver both general and personal (Tier 1) financial advice under an AFSL.

Course Accreditation

In total, you need to complete 1 nationally recognised unit of competency to be awarded the RG146 Compliant Margin Lending. The units of competency in this course are nationally recognised under the Australian Qualifications Framework (AQF).

Module 1

Margin lending

Course Assessments

The experts who design and deliver our courses (click back to Course trainers to meet some of them) have developed an assessment framework that’s uniquely designed to help you gain a deep understanding of the material. They’ll give you the kind of knowledge and skills you can use in the real world as a business operator or manager. Assessment formats include:

Career Opportunities

Margin lending isn’t a topic that’s well understood by financial services professionals, let alone the average Aussie. It’s potentially a powerful way for ordinary people to grow their wealth relatively rapidly. On the flip side, it can be very risky – too much so for some clients’ appetites. That’s why it’s particularly important to provide insightful, effective margin lending advice.

Key opportunities include:


If you’re already studying the Diploma of Financial Planning or Advanced Diploma of Financial Planning, this unit is a great bolt-on. It’ll help qualify you to provide specialist advice on margin lending. Alternatively, you may be able to complete this unit and get course credit towards a diploma at a later date.

Course Prerequisites

There aren’t any formal prerequisites. But to make sure you get the most out of training with us, the following enrolment process applies:

What equipment will I need?

You will need access to the following equipment to successfully complete the course:

It’s also ideal to have a financial calculator on hand.

Am I eligible for Recognition of Prior Learning?

We may be able to take into account relevant knowledge and skills you’ve possibly gained through previous formal or informal training, education and employment. To find out more, refer to our Student Information Guide by clicking here, or get in touch with one of our friendly course consultants.

Course Topics

Module 1

Margin lending

Course Duration

Is there a maximum course completion time?

Yes – you have up to 6 months to complete the part qualification, and many complete it in less time.

We find our students complete the RG146 Compliant Margin Lending qualification in varying time frames. It really does depend on your life situation, and time availability. There is also a requirement that you complete the module within 6 months (i.e. 1 modules X 6 months = 6 months maximum).

Is there a minimum course completion time?

No – there is no minimum course time-frame.

Students can complete the qualification as quickly as they choose.

What is the average course completion time-frame?

Volume of learning: We have found students that are genuinely motivated to progress through the course are able to complete the full course in as little as 5-7 months. Other students that have no experience or understanding of key concepts in financial planning take closer to 3-4 months. The key factors that influence course completion is a student’s experience, time availability and work rate.

How it works

Study online. With a difference.

You’ll get:

How does blended Online study work?

This course has been developed to give you absolute flexibility. Study on your couch, on public transport, on your break at work, out in the park – wherever and whenever you like. The best part is, with Monarch Institute, ‘online’ doesn’t mean ‘alone’. You’ll be backed by our trainers at every step along the way.

What support will I get?

Your trainer will be happy to contact you via phone, Skype, Zoom, TeamViewer, or email (Monday to Friday, 9am to 5.30pm). So you definitely won’t feel alone. You’ll also have access to our student Facebook groups, so you can discuss the material with other students. It’s a handy way to stay in touch with trainers and others in the same course.

Do you offer corporate workshops?

Yes. We’re the corporate training partner of choice for several large organisations. Our trainers can also conduct onsite training for groups of six staff or more. Get in touch with our friendly course consultants for more information.

Course Price

Upfront payment

$395 (Total)

Payment options include: electronic funds transfer (EFT), Credit Card (Mastercard or Visa), Cheque or Cash.

Meet your trainers

You’ll be guided and supported by financial planning industry experts and thought leaders.
Lauren Davis
"When everything seems to be going against you, remember that the airplane takes off against the wind, not with it."
– Henry Ford

I’m a qualified financial planner with 15 years’ experience in the financial services industry. I have worked as a financial planner for a small business, as well as running my own business. In the past I’ve also worked for one of the big four banks. I know what it takes to support new starters; I’ve also worked in marketing and supporting other financial advisers to run and grow their own businesses.

What makes me jump out of bed each morning?

Coffee and my much-loved Cavoodle, Henry, ready for his morning walk. I enjoy going out for brunch, watching movies, and watching any sport I can, in particular my beloved Carlton Football Club.

Helen Russo
"I can’t change the direction of the wind, but I can adjust my sails to always reach my destination"
– Jimmy Dean

In the past 17 years I have been afforded the opportunity to work with many different clients and their situations and in a variety of roles: NSP Buck (corporate superannuation), MLC Advantage (workplace financial planning), Macquarie Bank (professional and business banking), and accountancy practices. And in the past four years, my own business. I have previously successfully applied for and run an AFSL for three years as a key person and responsible manager.

What makes him jump out of bed each morning?

My family! And the ability to make a difference in someone’s life – love working with people!

Ben Dascal
"Whether you think you can or you think you can’t, you’re right."
– Henry Ford

I am a qualified financial planner holding a tertiary qualification in financial planning, as well as being a Certified Financial Planner (CFP®). I’ve worked as a financial planner for an Australian bank for over two years. Before that, I worked for over seven years as an associate adviser for another financial planning company.

What makes me jump out of bed each morning?

I enjoy catching up with friends, going for walks with my wife and following the North Melbourne
Football Club.

Janine Cini
"The only way to do great work is to love what you do."
– Steve Jobs

I’m known as a bit of a superannuation guru here at the Monarch Institute office. I’ve got 30 years of experience in the financial services sector. I’ve worked in underwriting, corporate superannuation fund portfolios, business analysis, and self-managed superannuation funds.

I have undertaken a variety of roles, mostly within large corporations, but also with a number of small businesses. I’m passionate about sharing my knowledge and experience in Monarch Institute’s student contact hours here in Melbourne.

What makes me jump out of bed each morning?

It’s all about balance and fitting as much into the day as possible. If the sun is shining an early morning horse ride is a must. A good balance of work to stimulate the mind and Pilates to keep in shape. And never a dull moment with three children and a close family living nearby.

Josh Wilson
"Limitations live only in our minds. But if we use our imaginations, our possibilities become limitless."
– Jamie Paolinetti

I am a qualified financial planner with tertiary and vocational qualifications in financial planning. I’ve had 17 years of experience in the financial planning and wealth management industry. I have worked as a financial planner for a large Australian bank and boutique wealth management firm for over 10 years, and prior to that, as a fund accountant for a London-based asset manager.

What makes me jump out of bed each morning?

I am usually woken up by my two girls first! I get excited to see my heirloom tomatoes growing strongly in spring. I love cooking at home on the weekend, hanging out in the park with my wife and two girls, and I’m a mad (suffering) Carlton supporter.

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Margin lending education.
For the real world.

Get in touch

RG146 Compliant Margin Lending

Partial completion of FNS50615

  • Get ready to provide RG146 Tier 1 advice on margin lending
  • Become an RG146-compliant margin lending adviser
  • Fit your margin lending studies around existing commitments
Click to expand
Duration Up to six months
How it works Study online. With a difference.
Price $395
Career opportunities Managed investments and securities adviser.
Course topics One Module
Accreditation Meets the ASIC Regulatory Guide 146 (RG146), Government accredited under AQF, listed on ASIC Training Register.
Course trainers You’ll be guided and supported by financial planning industry experts and thought leaders.

FNS50615 Diploma of Financial Planning | FNS60415 Advanced Diploma of Financial Planning.


No formal requirements. Learn about recognition of prior learning (RPL), and equipment needed.

Assessments You’ll have comprehensive assessments at different points along the way. Meaning, no exams.
Start date Immediately, or whenever you’re ready.
Get in touch about enrolling
Payment Options There are two ways you can pay for your course...
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