Skip to Navigation
Skip to Content
Skip to Tools
Skip to Footer

Home loans and mortgages FAQs

The following information will help answer some of your home loan questions. We also have a glossary that explains all the jargon that you might come across. Most importantly, our home loan specialists are ready to help you whenever you need it.

Getting started or buying my next home	How much can I borrow? How much deposit do I need? How do I apply for a home loan? What documents do I need to provide? Can I get a home loan if I am self-employed and don’t have the standard financial documentation? How does the home loan application process work? How do I protect my ability to make repayments? What stamp duty and other government charges do I have to pay if I buy or sell my home? What is the First Home Owner Grant (FHOG) and how can I get it? Can I apply for a home loan in a company name or family trust?
Managing and using my loan	How can I own my home sooner? What if my personal or financial circumstances change? How can I switch from a variable to a fixed interest rate? How can I switch from a fixed to a variable interest rate? Can I redraw on my home loan? How? How do I arrange a repayment holiday? How can I make a home loan repayment? And how often? How do I increase/decrease my repayments? Where can I view how far ahead I am with my home loan? Do I need bank approval when I want to use my pre-arranged credit limit with my NAB FlexiPlus Mortgage, NAB Home Equity Line of Credit or NAB Portfolio Facility? Is there a minimum withdrawal amount or any limit on the number of transactions I make with my NAB FlexiPlus Mortgage, NAB Home Equity Line of Credit or NAB Portfolio Facility? Can I keep my day-to-day transactions separate from my investments with a NAB FlexiPlus Mortgage or NAB Portfolio Facility? What if my personal or financial circumstances change? Experiencing financial difficulty?
Home loan features	What are the current interest rates? What’s the difference between a fixed and variable rate home loan? What’s the difference between a ‘principal and interest loan’ and an ‘interest only’ loan? What’s the difference between a line of credit and a standard home loan? How does 100% Offset work? Are repayment holidays available? Do NAB home loans have redraw? Can I use NAB FlexiPlus Mortgage for my business? How does a NAB FlexiPlus Mortgage, NAB Home Equity Line of Credit and NAB Portfolio Facility differ from a normal overdraft? Can NAB home loans be used if I’m building my home? Can I split my home loan to take out both a fixed and variable rate home loan?
Switching to NAB	I'm with another bank. Can I move my home loan to NAB?

Utilities

Login

Apply for

Need Help?

Our Online Assistant is available

Related topics

Tools

Locations