Home Loans

your Home Loan

Tailored loans to give you the flexibility and simplicity you require.

NBS Clients - Moonika and Evan

Make your NBS Home Loan work for you.

You can repay your loan faster, top it up if you need more money and even take a break from your home loan payments. Understanding your options when your fixed home loan rate is up for renewal can also help make sure you are getting what you want from your loan.

There are many ways you can make your home loan work for you. Get in touch with one of our local NBS lending specialists to discuss how to make your home loan, work harder for you.  

Call into your local NBS branch or phone 0800 101 700. 

You can make lump sum repayments totalling $50,000 within a 12-month period on fixed rate loans with no early repayment adjustment.

If you choose a variable interest rate, there are no fees for early or lump sum repayments.

When making a home loan lump sum repayment, you can choose to either keep your regular loan repayments the same (and pay the loan off faster) or reduce your regular loan repayments by keeping the loan term the same.

Your NBS home loan can help you get what you want in life, when you want it.

As you repay your loan, you can apply to borrow more for any purpose, still secured by your house at a competitive interest rate. Talk to one of our local NBS lending specialists about topping up your home loan (subject to NBS Lending Criteria).

  • Select another fixed interest rate period or choose a variable interest rate.
  • Review your home loan structure.
  • If interest rates have dropped, keep your repayments the same, shortening your loan term.
  • Split your loan across a variable or fixed interest rate or across different loan types.


If you want to put your home loan on hold you may have the option of suspending your repayments.

This loan deferment only suspends the repayments. The interest will continue to accrue on the outstanding loan balance during that time. Therefore, this option should be considered carefully as the amount of interest accrued will increase your loan balance and consequently increase your repayments.