Lock in a Low Fixed Rate,
For Whatever Life Brings Your Way

Special limited-time offer on new fixed-rate balances of $50,000 or more.

Offer expires November 22, 2019.

Take advantage of this limited-time promotion to cover expenses or seize opportunities for almost any personal or business need—from purchasing real estate to taking that once-in-a-lifetime vacation. Liquidity Access Line is a flexible line of credit based on the value of the eligible securities in your Morgan Stanley brokerage account that can provide you with a fast, easy and low-cost way to access financing.

Choose the term that meets your needs:


for 1 year


for 2 years


for 5 years


for 7 years

Rates apply to new advances of $50,000 or more. For clients that have an existing line, the promotional rate will apply to new advances that are an increase over the closing balance on September 20, 2019. Any Liquidity Access Line balance paid down after September 20, 2019 will reduce the eligible amount of new advances for the promotional rate. Rates are subject to change, but will not change once balance is drawn.  

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 interest rate effective as of that date. Clients who pay off any portion of their fixed-rate advance prior to the payment date, or have their loans demanded, will be subject to a prepayment fee. New incremental fixed-rate balances taken during the promotional period cannot be used to pay down existing variable- or fixed-rate balances. 

Is Liquidity Access Line Right for You?

Borrowing against securities may not be suitable for everyone. You can discuss risks associated with a securities based loan with your Financial Advisor, including possible maintenance calls on short notice and how market conditions can magnify any potential for loss. For details, please see the important disclosures at the bottom of this page.

Contact a member of your Morgan Stanley team