Home Loans
Home Loan
Options
Tailored loans to give you the flexibility and simplicity you require.
We can personalise your home loan to give you the flexibility and simplicity you need.
Whether it’s the term or the type of loan, our lending specialists can structure your home loan to meet your needs. Choose from one of the following options or, get in touch and let us make it easy for you.
Residential Term
We're able to tailor the characteristics of your loan to provide you with the flexibility and simplicity you require.
Read MoreBuild Loan
Interest free for the first 18 weeks, so you can focus on all the details, and not worry about the finance.
Read MoreFlexi Loan
Simplify your finances by combining your home loan and transactional banking into one easy to manage account.
Read MoreResidential Redraw
Redraw from your fixed rate home loan at any time, for free (min. $1,000 per withdrawal*).
Read MoreInterest Only
Allows you to reduce repayments by paying the accumulating interest rather than the principal part of the loan.
Read MoreFirst Home Loan
Gets you on the property ladder sooner, without having to wait until you have saved a large deposit.
Read MoreCould this be a great home loan for you?
Home Loan Rate
4.87%
per annum. 2 years fixed.*
Plus, up to $5,000 cash back*
Do you want a fixed rate with flexible payments and redraws and up to $5,000 cash back?* Unlike others, we can do that with our Residential Redraw Home Loan.
Talk to our local, qualified lenders today.
*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 Terms and conditions, fees and lending criteria applies. NBS eligibility criteria applies. 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. NBS is not a registered bank.
Looking to reduce the term of your loan, pay less interest or learn some more about how to pay for your deposit?
NBS Community Banking
We Believe. We Invest.
Figures correct as of 31 March 2025.