Ready to apply?

You have the flexibility to apply for a NAB home loan anytime, anywhere. Our conditional approval lets you know how much you can borrow based on the information you've given us, giving you confidence and control with your next property move.

Whether it's purchasing your new home or switching your existing home loan to NAB, simply apply online below to receive an outcome 24/7.


I’m looking to buy

Want the confidence to bid at an auction? Apply online for conditional approval. It can take around 20 minutes and one of our bankers will be in touch to follow up.

Apply for conditional approval

Switch my loan to NAB

Looking to save money, need access to different home loan features, or want to consolidate debts? Switching your home to NAB is easy.

Apply to refinance

Increase my NAB home loan

Planning to renovate, or need some extra cash for a new car or something else? It’s easy to increase or restructure your existing NAB Home Loan.

Apply for a loan increase

Not ready to apply online?

Book an appointment to speak to one of our home loan specialists at a time convenient to you.

Important information

Conditional approval, also known as Approval in Principle, gives you an indication of how much you can borrow based on the information you’ve given us.

Conditional approval is valid for 90 days from application and is based on the loan scenario that you provided in the application (including property details, purpose of the loan and your contribution amount).

Conditional approval is also subject to:

  • us being able to verify that the information you provided in your application is correct
  • the property you want a loan for is suitable to us (this includes a satisfactory valuation)
  • us being able to find the right NAB product right for your needs.

All applicants will have credit checks performed by external credit reporting bodies when the application is submitted.

If you have conditional approval and your circumstances change or you need to correct something, you can call us on 13 22 65 to discuss as it may affect our decision.

View eight commonly asked questions about conditional approval.

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