We make it simple, fast and clear – so you know where you stand.



Minimum household income
Minimum Pay As You Go (PAYG) income for at least one borrower
Self-employed professionals
Loan + Property
Maximum Loan to Value Ratio (LVR) on existing residential property
Min. loan amount
Max. loan amount (single property)
Max. customer amount (multiple properties – coming soon)
New home purchases
Learn more
Applicants must be over 18 years old
Applicants must be Australian citizens or residents
Good credit rating

Home loans done differently, digitally

Using Nano’s unique data and technology, we digitally review your home loan application assessing these four key areas:



We digitally access your property valuation from our valuation partner

Credit score and repayment history

We review your credit score and last 24 months repayments on all credit products you have

Income, expenses and your ability to service the loan

With you driving, we access your financial transaction data safely and securely

Identity using biometrics

We use two forms of ID such as your Driver’s Licence, Passport or Identity Card to digitally identify you

With this data, we can approve your home loan in minutes (not weeks!), removing the need for you to complete paper-based forms or supply paperwork – saving you time, effort and hassle.

Safe and Secure

Safe and Secure

As a technology company, we use data at every opportunity to deliver a better, safer experience.

Fully encrypted from end to end, using the same level of security as a bank, you can be sure your information is safe and secure.

We connect to your bank accounts to save time, paperwork and hassle. Assessing your financial information, safely and securely removes the painful process of supplying payslips, bank statements and manually calculating your expenses. We never see or store your personal account details. We only view the same information that you would supply if you were to manually upload your documents, except the process is faster, more reliable and requires less effort on your part. Read the regulators thoughts on this process: “ASIC, ACCC gives green light to ‘screen scraping‘ ” AFR, 28 Feb 2020

We hold an Australian Credit Licence, 511406, and adhere to the National Consumer Credit Protection Act 2009, and operate within the Australian Securities Investment Commission guidelines.

Join Nano for Priority Access