Avoid home loan anxiety with fast approvals

  • Approval in minutes, not weeks
  • Rates from 2.74% p.a. Variable & Comparison
  • No fees  
  • With a free offset sub-account, app and instant payments
  • Purchase your next property or refinance an existing one

Save with Nano

2.74
%
p.a.
Variable + Comparison Rate
Nano doesn’t charge any fees, however we are required to give you this regulatory warning. The comparison rate is based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
3.24
%
p.a.
Variable Rate
2.93
%
p.a.
Comparison Rate
Why is our comparison rate lower?
Comparison rates estimate the true cost over the life of a loan. Because we charge zero fees, Nano’s comparison rates are the exact same as our advertised rates. They are even lower for our Interest Only loans due to it assuming 5 years at the Interest Only rate before rolling onto the equivalent Principal & Interest rate for the remaining 20 years.
Principal +
Interest
Interest
Only
3.04
%
p.a.
Variable + Comparison Rate
Nano doesn’t charge any fees, however we are required to give you this regulatory warning. The comparison rate is based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
3.34
%
p.a.
Variable Rate
3.15
%
p.a.
Comparison Rate
Why is our comparison rate lower?
Comparison rates estimate the true cost over the life of a loan. Because we charge zero fees, Nano’s comparison rates are the exact same as our advertised rates. They are even lower for our Interest Only loans due to it assuming 5 years at the Interest Only rate before rolling onto the equivalent Principal & Interest rate for the remaining 20 years.
Principal +
Interest
Interest
Only

July 2022 RBA announcement

The Reserve Bank of Australia (RBA) has increased the official cash rate by 0.50%. We’re reviewing our variable interest rates and will communicate Nano’s new rates here shortly. We remain committed to giving new and existing customers the same fair low rates without charging fees.

No Nano Fees
Same rates for new and existing customers
No pricing gimmicks

Fast digital home loans


Approval in minutes, not weeks

Using Nano’s unique data capability, we assess and approve loans in minutes, not weeks, so you avoid the settlement stress


Paper free, hassle free

No paperwork required. Our digital process does all the legwork, saving you time, effort and hassle


Apply anywhere, anytime

From your desktop, tablet or mobile and when it suits you.

One simple account

One place to manage your money

Borrow, purchase, pay and tuck money away, all in one place.

Pay down your loan faster​

Add your salary and savings to your offset sub-account to reduce the interest you pay.

You choose how you spend

Using your Nano Visa debit card^, Apple Pay, Google Pay, BPAY, real-time bank transfers and scheduled payments.

Recognised for innovation

What our customers say

^ The Nano Card is issued by Hay Limited ABN 34 629 037 403 (Australian Financial Services Licence 515459). See terms and conditions.

Save time, money and hassle.