Your home loan and transactional banking in one easy to manage account.
You can draw funds up to your credit limit and repay funds at any time, giving you flexibility.
A maximum credit limit is applied to your NBS Flexi Loan (based on NBS Lending Criteria) that you can repay, redraw or reduce at a pace that suits your needs.
All borrowings are at NBS’ current variable home loan interest rate and calculated daily (debited monthly). With a variable rate the interest charged on your Flexi Loan can go up or down, depending on market changes.
You also have the flexibility to increase repayments whenever you like, or to make lump sum payments.
|NBS Home Loan Rates|
|1 Year Fixed||3.45% p.a.|
|2 Year Fixed||3.49% p.a.|
|NBS Flexi Loan - Interest rates start from||4.95% p.a.|
Interest rates are subject to change.
|NBS Flexi Loan Fees|
|Monthly base fee||$15.00|
|NBS Mobile and Internet Banking internal transfer fees||$0.20|
|Other Bank ATM Transaction fees||$1.50|
|Manual Transactions: Include cheque and staff assisted branch transactions and Internet assisted transactions||$0.50|
|Establishment Fee||1.00% (minimum charge $500)|
|Documentation Fee for Limit Increase||1.00% of increase limit (minimum charge $250)|
|Discharge Mortgage Fee||$130.00|
|Default Interest Rate||10.00%p.a. above annual interest rate|
|Default Administration Fee||$25.00|
|Unarranged Excess Fee||$25.00|
|Insurance Arrears Payment Fee||$15.00|
|Motor Vehicle Security Variation/Security Swap Fee||$30.00|
|Duplicate Statement Fee||$15.00|
Fees are subject to change.