Select your loan
Log into the NAB app and select your home loan from the available accounts.
If you’re paying more than your minimum required payment, you will be eligible to reduce it.
MODIFY YOUR HOME LOAN PAYMENTS USING THE NAB APP
A step-by-step guide on changing the amount and frequency of your home loan payments.Modifying your payments
View scheduled payments
From your home loan account, tap the Scheduled tab and select the direct debit you wish to modify.
Modify and confirm
Choose a new payment amount and/or frequency for your direct debit and follow the prompts to review and save.
How to change your direct debit payments
If you have a home loan with a direct debit, you may be able to increase or decrease your direct debit payment amount and change the frequency of your payments if you’re eligible.
- Login to the NAB app.
- Tap Home Loan.
- In the My Home Loan screen, tap Scheduled.
- In the Scheduled screen, tap the direct debit you want to amend - the Payment Scheduled screen will display your direct debit details.
- Modify your direct debit details - the Payment Confirmation screen will display your updated direct debit details.1
- Your contracted payment details, direct debit frequency and amount will be displayed.
- Select a new payment amount and/or frequency.
- Tap Confirm to continue - the Payment Modified screen will display your amended direct debit details.2
Frequently asked questions
How do I know if I am eligible to decrease the amount of my direct debit payment?
How do I know if I am eligible to change the frequency of my direct debit payments?
You won’t be able to change the frequency unless you’re at least one payment ahead.
Can I nominate a specific date for my direct debit payments to be made?
You won’t be able to nominate a date for payments to occur.
Why can’t I modify my direct debit payment through the NAB app?
If the Modified Payment option is not enabled in your NAB app, you may see a call us to modify button.
This occurs when:
- the home loan account has multiple direct debit payments setup
- No direct debit payment has been set up
- the direct debit payment frequency is a non-standard frequency (i.e. yearly, half yearly)
- the transaction account is not a NAB account
- the loan account holder doesn’t own the transaction account
- the transaction account requires more than one customer to authorise the changes
- If there are any account restrictions on the debit account or home loan account (credit account).
If you need assistance with the above, please call 13 22 65 or visit a branch.
Important information
1 This will only be possible if the Modify Payment feature is enabled.
2 You will receive a confirmation letter from NAB each time you make a modification to your direct debit payments.
