Home Loans
NBS Residential
Term Loan
Our lending specialists are here to design a home loan solution to meet your needs.
Pictured: The Inghams | Home loan and personal banking clients
We're able to tailor the characteristics of your loan to provide you with the flexibility and simplicity you require
Our lending specialists are here to design a home loan solution to meet your needs.
Talk to one of our lending specialists today.
How it works
- Repayments are made up of both principal and interest
- Decide how quickly you want to repay your home loan; the maximum term is 30 years
- You can choose to increase principal repayments above the minimum required which will help you repay the loan faster, saving on interest costs
Repayment options
Fixed rate
- Your minimum repayments will always be the same making budgeting easier
- Choose monthly, fortnightly or weekly repayments
- You can make lump-sum payments totalling $50,000 within a 12-month period with no early repayment recovery amount (ERRA)
- If you have a fixed rate home loan that you want to repay sooner than the contracted term, contact us to see if an ERRA is applicable
- Maximum term is 30 years
Floating or variable rate
- Interest rates can go up or down depending on market changes
- Choose monthly, fortnightly or weekly repayments
- This option lets you repay some or all of your loan at any time
- Maximum term is 30 years
Rates and fees
| NBS Home Loan rates | |
|---|---|
| 6 months fixed | 4.99% p.a. |
| 1 year fixed | 4.99% p.a. |
| 2 year fixed | 5.49% p.a. |
| Variable* | 6.74% p.a. |
| NBS Flexi Loan variable interest rate* | 7.24% p.a. |
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Interest rates are subject to change. |
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| NBS Residential Term, NBS Residential Redraw and NBS Interest Only fees | |
|---|---|
| Loan establishment fee | From $450.00 |
| Loan additional funds | $250.00 |
| Interest rate review | $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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Interest rates are current as of 20 July 2026 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 overdrafts, rate may be subject to change prior to drawdown. * Effective rate for new clients from 20 July 2026. Effective rate for existing clients from 26 August 2026. |
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Terms and Conditions
NBS’ current Loan Agreement Specific Terms and General Lending Terms are available free of charge from any NBS branch. NBS lending criteria and the above terms apply.