Everyone is different. That’s why we have a range of home lending, small business, commercial and equipment finance offers to help you cater to your customers’ needs. See our offers below and get in touch with your BDM for added support.

Your clients can access an attractive fixed home loan rate of 1.99% p.a. (comparison rate 3.98% p.a.*) on a two-year fixed rate, NAB Tailored - Choice Package - principal and interest loan for owner-occupier borrowers.1

 

Minimum lending of $150,000 applies.

If your clients are owner-occupiers, and are making repayments with less than or equal to 80% of the total NAB Lending to Value Ratio (LVR), then they can enjoy a special rate of 2.69% p.a. (comparison rate of 2.69% p.a.*) on our  NAB Base Variable Rate Home Loan, opens in a new window . 2

For clients who have an LVR higher than 80%, the special rate is 3.04% p.a. (comparison rate 3.04% p.a.*).

 

We’re also waiving the Base Variable Rate Application Fee for new applications, saving your customers $600.3

If your clients are Investors, they can enjoy special rates on our NAB Base Variable Rate Home Loan, opens in a new window 2

 

If they are making Principal and Interest repayments with less than or equal to 80% of the total NAB Lending to Value Ratio (LVR), they can enjoy a special rate of 2.79% p.a. (comparison rate of 2.79% p.a.*). If they are making Interest only repayments with less than or equal to 80% of the total NAB Lending to Value Ratio (LVR), then they can enjoy a special rate of 2.99% p.a. (comparison rate of 3.60% p.a.*)

 

We’re also waiving the Base Variable Rate Application Fee for new applications, saving your customers $600.3 They may also be eligible to get a $2,000 cash bonus for refinances4 when Investors bring new lending of $250,000 or more to NAB and open an eligible NAB transaction account when they draw down.

Refinancing a property can be challenging enough. Having the opportunity to offer your customers a $2,000 cash bonus when they refinance their home loan to NAB could make that move a little easier.


You’ll be able to offer this to your customers for new eligible refinances to NAB of $250,000 or more from 7 September 2020 to 31 October 2021 (inclusive), unless extended. Customer will need to have a NAB personal transaction account at the time of drawdown to be eligible.4

We’re making business lending faster and simpler for you and your customers. With a NAB Business Options Loan, your customers can borrow up to $2 million for commercial lending purposes with our fast-tracked application process, with loans secured up to 80% by commercial property value or secured up to 100% by residential property value. We’ve also introduced self-declared financials, via a digital form, using 12-month financials. T&Cs, fees, charges, lending, and eligibility criteria apply.

 

NAB Business Options Loan, , opens in a new window is ideal for clients looking to grow their business with a fixed rate of 2.45% p.a.(inclusive of customer margin) for 3 years for loans up to $1 million. This campaign rate is available to new lending only and the offer may end at any time. Total business lending with NAB must be no more than $1 million to be eligible and clients must also hold a NAB business transaction account at time of drawdown. T&Cs, fees, charges, lending and eligibility criteria apply.

 

A NAB QuickBiz loan makes unsecured business lending fast and easy. Your clients can enjoy a fixed rate offer of 10.95% p.a.The offer is available for new NAB QuickBiz Loans with fixed repayments over 12, 24, or 36 months. If approved, funds can be accessed one business day after we receive signed paperwork.6

We’re proud to continue supporting the Federal Government’s First Home Loan Deposit Scheme, opens in a new window .7 Under the scheme, eligible first home buyers and single parents can purchase an eligible property with as little as a 5% deposit (or 2% deposit for eligible single parents under the Family Home Guarantee). New scheme places are available from 1 July 2021 as part of the First Home Guarantee, New Home Guarantee and Family Home Guarantee.

 

Find out more on the FHLDS section of the Broker Portal.

12 Year Fixed Rate Terms and Conditions

To be eligible for this Offer, a maximum loan to property value ratio (LVR) of 95% applies.

Fees and charges are payable. Terms, conditions and lending criteria apply. Rates and information current as at 30 June 2021 and are subject to change at any time. NAB Tailored Home Loan fees, charges, terms and conditions are available on request. NAB Choice Package fees, charges, terms and conditions. Annual package fee applies. Choice Package discounts and benefits only apply whilst your loan is part of a NAB Choice Package.

*Comparison rates calculated on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Base Variable Rate Discount Offer Terms and Conditions

This Base Variable Rate Discount Offer (“Offer”) replaces the previous Base Variable Rate discount Offer dated 13 August 2020. Under the Offer, eligible customers may benefit from a discount.

For owner-occupier borrowers making principal and interest repayments, the discount off the advertised Base Variable Rate for Home Loans indicator rate is:

  • 1.70% p.a. where Loan to Value Ratio (LVR) <80%
  • 1.35% p.a. where Loan to Value Ratio (LVR) >80%

For residential investor borrowers making principal and interest repayments, the discount off the advertised Base Variable Rate for Residential Investment Home Loans indicator rate is:

  • 2.12% p.a. where Loan to Value Ratio (LVR) <80%
  • 1.57% p.a. where Loan to Value Ratio (LVR) >80%

For residential investor borrowers making interest-only repayments, the discount off the advertised Base Variable Rate for Interest Only Residential Investment Home Loans indicator rate is:

  • 1.77% p.a. where Loan to Value Ratio (LVR) <80%

For the purpose of the Offer, LVR or Loan to Value Ratio means the value of the customer’s total NAB home lending divided by the total value of a secured property.

The Offer is available from 28 May 2021 until withdrawn by NAB. NAB may vary or end this offer at any time without notice. To be eligible for the Offer, an application must be submitted during the period that the Offer is available and then approved and drawn down within the period set out in the applicant’s loan Offer.

The Offer is available on a new Base Variable Rate Home Loan of $20,000 or more.

The Offer is available for new lending only, including refinances. The Offer is not available for any variation or change of loan purpose of any existing NAB home loan where a new application is not required, except existing NAB borrowers who apply for an increase in their NAB Base Variable Home Loan of $20,000 or more.

The Offer will permanently cease to apply to any otherwise eligible NAB Base Variable Rate Home Loan on the earlier of:

  • any change to loan purpose or repayment type; or
  • loan ceases to be a NAB Base Variable Rate Home Loan

The Offer is not available in conjunction with any other discount Offer that may apply to NAB Home Loans from time to time. Not available to companies and trusts, and borrowers who reside outside Australia.

 

3 Application Fee Waiver Offer Terms and Conditions

The Application Fee Waiver Offer (“the Offer”) is a waiver of the Application Fee of $600 on a new Base Variable Rate Home Loan.

The Offer is available from 1 November 2019 until withdrawn by NAB. NAB may vary or end this Offer at any time without notice. To be eligible for the Offer, an application must be submitted during the period that the Offer is available and then approved, and drawn down within the period set out in the applicant’s loan Offer.

The Offer is available for new lending only (including refinances and limit increases for existing borrowers).

The Offer is not available for any variation or change of loan purpose of any existing NAB home loan where a new application is not required.

 

4  $2,000 Refinance Cash Bonus

To be eligible for the $2,000 NAB Home Loan Refinance Cash Bonus (Cash Bonus), customers need to be refinancing an existing loan of $250,000 or more and hold a NAB transaction account at the time of drawdown. Specifically, customers need to meet the following criteria to be eligible for the Cash Bonus:

  • Customers must refinance an existing home loan with another financial institution to NAB.
  • The amount being refinanced must be $250,000 or more, and drawdown must occur between 7 September 2020 and 31 October 2021 (Offer Period), unless extended.
  • The primary applicant must have a NAB transaction account open at the time of drawdown in order to receive payment of the Cash Bonus and this will be paid automatically within 90 days of drawdown.
  • The offer is available to individual applicants who are owner-occupiers or investors, and excludes refinances of First Home Loan Deposit Scheme loans, non-residents, businesses, trusts and other non-natural persons.
  • The offer is available on all NAB Home Loan products excluding lines of credit, the NAB Portfolio Facility, the NAB Private Portfolio Facility and loans for building and construction purposes.
  • The offer is only available on refinances from another financial institution (excluding NAB, UBank, Medfin or Advantedge home loans) and is not available for refinances into UBank, Medfin or Advantedge home loans.
  • The offer is only available once per customer within the Offer Period. If a customer refinances more than one loan, they will only receive the Cash Bonus once.
  • Where there is more than one borrower, the Cash Bonus is payable only to the primary borrower.  If any of the borrowers have received the Cash Bonus in the Offer Period, no further Cash Bonus will be payable on any future refinance where that individual is a borrower.
Other Important Information
  • Any other product offers from NAB (including the Base Variable Rate Application Fee Waiver or Credit Card offers that are made by NAB from time to time) are independent from this NAB Home Loan Refinance Cash Bonus offer and customers can benefit from multiple NAB offers (subject to the eligibility criteria and terms and conditions of those other offers).
  • A variation of an existing NAB Home Loan with no new lending over $250,000 which results in a new account number does not qualify as an eligible refinance for the purposes of the Cash Bonus.
  • Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products (available on request).
  • NAB may vary or withdraw this Cash Bonus offer at any time without notice.

Correct as at 13 April 2021.

* Terms of up to 30 years

Terms of up to 30 years are available subject to qualifying criteria.

^ Additional eligibility requirements for campaign fixed rate of 2.45% p.a. offer:

  • Borrow from $20,000 to $1,000,000.
  • Suitable security must be provided.
  • Application fees apply (available upon application).
  • Your total business lending with NAB (existing and any new or refinanced lending under the offer) must be no more than $1 million.
  • You must hold a NAB business transaction account before 31 October 2021 (NAB business transaction account may be opened concurrently with NAB Business Options Loan).
  • The offer is available for new lending only (includes refinance from other financial institutions and new lending to existing customers).
  • The offer is not available to self-managed super funds or for commercial property investment or development.
  • The offer is available from 30 April 2021 until 31 October 2021. NAB may vary or end this offer at any time without notice. To be eligible for the offer, an application must be submitted during the period that the offer is available and then approved and drawn down within the time period set out in the applicant’s loan offer.
  • The offer cannot be used in connection with or in addition to any other discounts, promotions or rebates offered by NAB.
  • The NAB Business Options Loan is only available to approved business applicants.  The loan must be used for business purposes only.  All applications are subject to the NAB’s lending criteria and credit approval processes.  Complete loan terms and conditions are available on application and will be included in the letter of offer should your application be successful. Bank fees and charges may apply (available upon application).

 

5 NAB QuickBiz Loan Fixed Rate Offer
  • The rate is available for new NAB QuickBiz Loans with fixed repayments over 12, 24, or 36 months
  • The NAB QuickBiz Loan is only available to approved NAB business customers. The loan must be used for business purposes only. All applications are subject to the NAB’s lending criteria and credit approval processes. Complete loan terms and conditions will be outlined in the letter of offer should your application be successful.

 

6 Access to funds within one business day

Funds will be available the next business day from when we receive the completed contract via email. Business days are Monday to Friday, excluding weekends and Victorian public holidays.

~Loans from $100k - $250k are available for existing customers only.  Lending criteria applies.

 

First Home Loan Deposit Scheme

To apply to the scheme, your customer will be subject to the following eligibility criteria. They’ll need to be able to provide documentation of their eligibility to secure their position.

Eligibility criteria
  • All applicants must be first home buyers and must not have owned or had an interest in residential property (whether as an investment or owner occupied).
  • Individuals must have earned less than $125,000 and couples less than $200,000 in the last financial year  (as evidenced on their ATO Notice of Assessment).
  • Couples must be married or in a de facto relationship. Other persons buying together, including friends, siblings or a parent/child are not eligible.
  • All applicants must be at least 18 years of age and have a valid Medicare card (or Defence ID).
  • All applicants must be Australian citizens with either a valid Australian passport or proof of Australian citizenship. Permanent residents are not eligible.
  • Applicants must have a deposit of between 5% and 20% of the property’s value.
  • Your customer’s purchased property must be an acceptable property type and within the property price threshold for the suburb and postcode. You can check the property price cap for your area on NHFIC’s website, opens in a new window .
  • Download a fact sheet about the scheme (PDF, 1MB), opens in a new window .