Making home loans easier for business owners

Our specialised Business Experts can help make it easier for you to get a new home loan, refinance or restructure your existing loan. We know the home loan process isn’t always easy, so if you’re a sole trader, have a partnership, company or a trust get in touch with a NAB Business Expert who can help find the right home loan solution for you.

We understand businesses

Our Business Experts understand complex business structures and income sources and can help you navigate the application process to find a home loan that's right for you.

Home loans that work for you

Every business is different, so we take the time to get to know you and your unique situation before recommending the right home loan option. 

Australia’s largest business lender

As Australia’s largest business lender , we work with small, medium and large businesses. We’re here to support our customers’ needs through every stage of their business.

Eligibility We’re here to help you understand our eligibility and application requirements

Proof of income and trading time

When you get in touch with a Business Expert, you can have a conversation about your income details, length of time trading and other eligibility requirements. We consider your business position holistically and treat every application individually.

Businesses affected by COVID

We understand that the pandemic has affected businesses in different ways and your income may not be as consistent as before.  Our Business Experts keep this in mind and will look at your personal and business situation as a whole in order to find the best home loan solution. 

Compare our home loans to see what's right for you

Rates are calculated as an owner occupier, paying principal and interest on a $500,000 loan over a 30 year term with a deposit of 20%. See the comparison rate warning below.  

Take advantage of our simple, low rate home loan with no ongoing fees.

Variable rate

2.94 % p.a.

Comparison rate

2.98 % p.a.

Features and benefits

  • Low variable rate and no ongoing fees

  • Make unlimited additional repayments

  • Access to unlimited redraws if you’re paid ahead ($500 minimum redraw)

Monthly fee $0
Application fee $0
Annual Choice Package fee $0

Enjoy extra flexibility, features and discounts when bundled with a NAB Choice Package.

Variable rate

4.42 % p.a.

Comparison rate

4.81 % p.a.

Features and benefits

  • Access to an offset account

  • Make unlimited additional repayments

  • Additional discounts and benefits with the NAB Choice Package

Monthly fee $0
Application fee $0
Annual Choice Package fee $395

Gain additional certainty and discounts when bundled with a NAB Choice Package.

Fixed rate

4.59 % p.a.

Comparison rate

5.04 % p.a.

Features and benefits

  • Repayment certainty during fixed term

  • Pay ahead up to $20k during fixed term

  • Additional discounts and benefits with the NAB Choice Package

Monthly fee $0
Application fee $0
Annual Choice Package fee $395

Speak to one of our Business Experts about our current offers and discounts.

Getting started The application process for business home loans

Step 1. Get in touch with a Business Expert

We consider your business position holistically and treat every application individually. 

Step 2. We’ll help you calculate your borrowing power

A Business Expert will estimate how much you can borrow based on your individual circumstances.

Step 3. Guided home loan application support

We will help you apply for a home loan that’s tailored to your business situation.

Contact us

Request a call back

Let us help you with your business banking needs.

Call us

Call us for your general enquiries about business banking.

Visit a NAB branch

Use our locations tool to find business banking services.

Terms and Conditions

Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products (available on request).

Correct as at 3 May 2022.