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 or Relationship Manager for added support.

Eligible customers may now access our Sustainable Home Discount Offer, opens in a new window . If your customer requires LMI as part of a new home loan, you can offer them a 5% discount on the LMI premium payable if they meet the eligibility criteria. The LMI discount is offered by QBE Insurance who is NAB’s LMI insurer.

Eligible customers (other than customers applying for a construction loan) may also obtain an interest rate discount on their new or existing home loan. The customer will be able to access NAB’s loan-to-value (LVR) based pricing, with the applicable interest rate being based on the lower of:

  • the customer’s overall LVR; or
  • an LVR of 80%.

More information about the Sustainable Home Discount Offer, opens in a new window . 1, 2

We’re making business lending faster and simpler for you and your customers. With a NAB Business Options Loan, opens in a new window , 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.


We’re proud to continue supporting the Federal Government’s Home Guarantee Scheme, opens in a new window .3 Under the scheme, eligible home buyers and single parents or single legal guardians can purchase an eligible property with as little as a 5% deposit (or 2% deposit for eligible single parents or legal guardians under the Family Home Guarantee). New FY24 Home Guarantee Scheme places (now with expanded eligibility) are available from 1 July 2023 under the First Home Guarantee, Regional First Home Guarantee and Family Home Guarantee.


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

To support your health practitioner customers with their overall banking needs, we are now offering practice lending up to 100% LVR against a suitable property. More information on this policy here.

Specialised banking, resources and insights for your broker business, opens in a new window .

We can play an important role in helping Australian businesses transition towards a more sustainable future. Investing in green equipment, opens in a new window 4 may help your business take a step toward becoming more sustainable.

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*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.

NAB Business Options loan

#The fast-tracked application process is only available for new lending of up to $2m on a new NAB Business Options Loan (includes refinance from other financial institutions and new lending to existing customers). There is no guarantee that your application will follow the fast-tracked application process. Your application may follow a slower process if, for example, your application is complex, you operate in a high risk industry or, as part of your application, NAB requires you to provide additional information.

^Not available for certain industries, loan purposes, transaction and security types including commercial property investment or development security (owner occupied allowed); Self-Managed Superannuation Fund and Land Banking; Rural property freehold; and Clearing ATO arrears. Certain restrictions apply to Home Lending as a joint application. Information correct as at 30 June 2023 and subject to change.

1 The offer is not available to borrowers who reside outside of Australia.

The Sustainable Home Discount Offer is available from 17 October 2022 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 time period set out in the applicant’s loan offer.

3 Home Guarantee 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 .
4 Green equipment

Green equipment refers to the categories of vehicles and equipment that NAB has determined are eligible to be financed under its Equipment Finance Green Asset framework. The categories of vehicles and equipment and the criteria which apply to those categories have been developed by NAB and are subject to change. 

DNV Business Assurance Australia Pty Ltd (DNV) has provided external review services to NAB with respect to this framework against the requirements of the Green Loan Principles (February 2021) published by the Asia Pacific Loan Market Association. Further information about DNV, opens in a new window .