Loans and Finance
Interest
Only Loans
The Byrnes | NBS agribusiness clients
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 & Fees
| NBS Business Lending Rates | |
|---|---|
| 6 Months Fixed | 5.99% p.a. |
| 1 Year Fixed | 5.64% p.a. |
| 2 Year Fixed | 5.62% p.a. |
| Variable interest rates* | 7.79% p.a. |
| NBS Flexi Loan variable interest rates | 8.04% p.a. |
|
Interest rates are current as of 26 August 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. * Effective rate for new clients 26 August 2025. Effective rate for existing clients from 13 October 2025. |
|
| 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/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
| Early Repayment Recovery Amount (ERRA) | P.O.A |
| Early Repayment Administration Cost | $45.00 |
|
Fees are subject to change. |
|
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.