Loans and Finance
NBS Interest
Only Loan
Pictured: The Byrnes | NBS agribusiness clients
Reduce early loan costs by paying only interest, keeping initial repayment commitments as low as possible
NBS offers its business clients a specific loan product with interest only repayments. Loan repayments are minimised until capital becomes available to repay the loan.
Take advantage of
- Interest only repayments up to three years
- Pay lump sums off loan if available
- Fixed or variable interest rate options
Rates and fees
| NBS Business lending rates | |
|---|---|
| 6 months fixed | 5.84% p.a. |
| 1 year fixed | 5.34% p.a. |
| 2 year fixed | 5.34% p.a. |
| Variable* | 7.49% p.a. |
| NBS Flexi Loan variable interest rate | 7.99% p.a. |
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Interest rates are current as of 3 December 2025 and subject to change at any time without notice. NBS lending criteria and specific terms and conditions apply. Margins, discounts and fees may apply. For new loans or refixes, rate may be subject to change prior to drawdown. NBS home loan rates are available for residential owner-occupied or investment property loans only. * Effective rate for new clients 3 December 2025. Effective rate for existing clients from 19 January 2026. |
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| NBS Business Term, NBS Business Redraw, NBS Interest Only fees | |
|---|---|
| Loan establishment fee | From $450.00 |
| Interest rate review | From $50.00 |
| Discharge mortgage fee | $50.00 |
| Default interest rate | 4.00% p.a. above annual interest rate |
| Default administration fee | $45.00 per event |
| Insurance arrears payment fee | $25.00 |
| Rates arrears payment fee | $25.00 |
| Motor vehicle security variation or security swap fee | $30.00 |
| Duplicate statement fee | $5.00 |
| Early repayment recovery amount (ERRA) | Price on application |
| Early repayment administration cost | $45.00 |
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Fees are subject to change. |
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Terms and Conditions
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.