Loans & Finance

Business

Term Loan 

NBS Client - Anne from Ellery's 100%

Use a business term loan from NBS to invest in the growth of your business.

Confidently plan with the certainty of a fixed interest rate for the term you choose or the flexibility of a variable rate.

Take advantage of

  • Fixed or variable interest rate options
  • Short, medium or long term financing
  • Flexible repayment options available to help manage cash-flows

Loan options

Fixed Rate Loans

Create more certainty in your business and make cashflow planning easier with a fixed rate. With our flexible loan terms, you can lend up to a maximum of 20 years.

Your NBS Lending Specialist can give you all the information you need to help you select the loan structure that suits your business.

 

Variable Rate Loans

Tailor your repayments to suit your businesses cashflow and get the flexibility you need to make lump sum payments, or repay your loan in full at any time.

Your NBS Lending Specialist can give you all the information you need to help you select the loan structure that suits your business.

Rates & Fees

NBS Business Lending Rates
Fixed interest rates start from 4.45% p.a.
Variable and Flexi interest rates start from 5.45% p.a.

Interest rates are subject to change. 

 

Fixed Rate, Interest Only
Loan Establishment Fee From $400.00
Interest Rate Review From $150.00
Discharge Mortgage Fee $130.00
Default Interest Rate 4.00% p.a. above annual interest rate
Default Administration Fee $100.00
Insurance Arrears Payment Fee $15.00
Rates Arrears Payment Fee $25.00
Motor Vehicle Security Variation/Security Swap Fee $30.00
Duplicate Statement Fee $15.00
Early Repayment Adjustment $500.00 (minimum charge)
Early Repayment Administration Cost $100.00

Fees are subject to change.

Variable Rate
Loan Establishment Fee From $400.00
Interest Rate Review From $150.00
Discharge Mortgage Fee $130.00
Default Interest Rate 4.00% p.a. above annual interest rate
Default Administration Fee $100.00
Insurance Arrears Payment Fee $15.00
Rates Arrears Payment Fee $25.00
Motor Vehicle Security Variation/Security Swap Fee $30.00
Duplicate Statement Fee $15.00

Fees are subject to change.

Terms and Conditions

For both Fixed and Variable: All lending is subject to NBS lending criteria, as well as the terms and conditions for each specific product. These are available free of charge from any NBS branch. Establishment fees and early repayment adjustments may also apply.