Home Loans | Flexible Tailored Home Loan Options

Do you want...

A great fixed home loan rate

We offer competitive rates, including our 4.59 % per annum 1 or 2 years fixed home loan rate.*

Flexible payments and redraws

Repay your home loan faster, pay less interest and redraw funds for what you need with our fixed rate Residental Redraw Home Loan.

A range of home loan options

Whether it’s your first home, you're downsizing or upsizing, building your dream house, buying an investment property or looking to switch providers, NBS can help.

Up to $5,000 cash back?*

Available to home loans of $250,000 or more, for a minimum loan term of 24 months. The cash back offer applies to new loan approvals.*

We can help

How does the cash back work?

This is available to home loans of $250,000 or more, for a minimum loan term of 24 months.
The cash back offer applies to new loan approvals from 26 August 2025. Existing lending is not eligible.
The cash back amount is calculated as 0.9% of the total amount loaned on eligible products, up to a maximum of $5,000.
Residential lending products are eligible. The offer does not apply to business or commercial lending.
The cash back payment is paid to the borrower’s NBS bank account when the lending is drawn down.
This is a limited offer that NBS can withdraw at any time without notice.
All home loans are subject to lending criteria, terms and fees.
Cash back repayment terms apply. If you fully repay your lending in less than two years, you’ll need to repay all or some of the cash back based on the table below.

The fixed rate home loan with flexibility

Our Residential Redraw product is available as a fixed rate home loan and allows you to pay additional sums of money over and above your minimum required repayments. It also offers the ability to ‘redraw’ all or some of these additional sums should you need them.

You could:

repay your home loan faster by paying over and above your minimum required amount
pay less interest: the more you pay in and the less you withdraw, the lower your interest charges
redraw funds for what you need, for example those unexpected bills or big-ticket items
potentially take a break from scheduled payments

You can:

choose monthly, fortnightly or weekly repayments
make additional lump sum repayments or regularly pay more than your minimum required repayment
redraw funds when you need them from surplus funds (minimum of $1,000 per withdrawal and a maximum of two withdrawals per month)
choose up to a maximum term of 30 years

Talk to one of our qualified lending specialists today to find out if the NBS Residential Redraw home loan is right for you.

Not sure the Residential Redraw product is for you but still want to take advantage of a great rate and up to $5,000 cashback?

If you like the rate, but think that the NBS Residential Redraw product isn't the right one for you, we have other home loan options you can take advantage of.

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NBS Residential Term

NBS Residential TermFind out more

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NBS Build Loan

NBS Build LoanFind out more

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NBS Flexi Loan

NBS Flexi LoanFind out more

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NBS Interest Only

NBS Interest OnlyFind out more

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NBS First Home Loan

NBS First Home LoanFind out more

Rates and fees

NBS Home Loan Rates
6 Months Fixed	5.24% p.a.
1 Year Fixed	4.89% p.a.
2 Year Fixed	4.87% p.a.
Variable	6.79% p.a.
NBS Flexi Loan variable interest rate	7.04% 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. NBS home loan rates are available for residential owner-occupied or investment property loans only. * Effective rate for new clients 26 August 2025. Effective rate for existing clients from 13 October 2025.

*Terms and Conditions: Cash back applies to new home loan approvals to eligible clients from 26 August 2025. Minimum borrowing of $250,000. Cash back up to $5,000 on eligible products. Limited offer that NBS can withdraw at any time without notice. Cash back repayment terms apply. NBS eligibility criteria apply. Interest rates are subject to change at any time. Fees may apply. NBS home loan rates are available for residential owner-occupied or investment property loans only. Terms and conditions, fees and lending criteria applies. NBS is not a registered bank.

Dean and Purdie | Nelson

It was an easy choice when it came to their home loan. NBS made it easy every step of the way. Now there are three generations of Campbell's with NBS.

Hear from the Campbells

Date on which lending is fully repaid	Percentage of the cash back to be repaid to NBS
Up to but not including one year after the draw down date	100%
Between one year and up to but not including two years after the draw down date	50%
Two years or more after the draw down rate	0%

Could this be a great home loan for you?

4.59%

per annum. 1 or 2 years fixed.

Plus, up to $5,000 cash back*

Do you want...

A great fixed home loan rate

Flexible payments and redraws

A range of home loan options

Up to $5,000 cash back?*

We can help

How does the cash back work?

How much of the cash back will I need to repay if I pay my loan off early or change banking providers?

Unlike others, we can do a fixed rate with flexible payments and redraws with our Residential Redraw product

Fill in the form below to talk to our team of lending specialists, or give us a call on 0800 101 700 to find out how we can help.

What is a Residential Redraw home loan?

The fixed rate home loan with flexibility

You could:

You can:

Not sure the Residential Redraw product is for you but still want to take advantage of a great rate and up to $5,000 cashback?

Rates and fees

Hear from some of our home loan clients

Dean and Purdie | Nelson

Wayne | Tākaka

The Inghams | Richmond

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