Hi, I am planning to switch an account to Interactive Brokers to take advantage of the very low margin interest rates (CAD 1.75% interest charged, vs. 3.75% currently). At the moment, I have an account with questrade in Canada with a value of about $170,000 (mostly USD stocks, with $35,000 of options) and a negative cash balance of $28,500. I also have a line of credit with a balance of $43,000. I want to gradually switch over to Interactive Brokers using a couple of partial account transfers. However, I am a little confused by the maintenance margin requirements. During the day, the maintenance margin appears to be 25%, so I could have borrow as much as $75,000 for a $100,000 market value. However, it says the margin maintenance overnight is 50%, so I can borrow $50,000 for a $100,000 market value. That seems like a very steep increase from during the day to overnight. Is my reading of IB's maintenance margin correct and why is there such a large difference? Ideally, I would like to borrow the entire line of credit and the negative cash balance in my margin account from Interactive Brokers, for a total borrowing of $71,000. I couldn't do that with the current value of my common stocks of $135,000. I'd probably only try to borrow about $30,000 from Interactive Brokers and pay off my other debt with it. My stocks tend to be larger caps with some big ETF's, so they are fairly stable, I expect I'd be able to react quickly enough if I was coming close to margin maintenance. Does the $30,000 of margin debt for an account value of $135,000 (stocks only) seem prudent? Also, could I transfer (mostly USD) stocks from questrade to IB, and then withdraw, say $30,000 CAD from my IB acct to my personal bank account without selling any stocks? Sorry for the long first post, and thanks for any help.