Avoid home loan anxiety with fast approvals

  • No fees & rates from 3.24% p.a. Variable & Comparison*
  • Approval in minutes, not weeks
  • Paper free & hassle free
  • Fee free 100% offset sub-account & mobile app
  • Instant payments: Visa debit card^, BPAY, Apple Pay & Google Pay
3.24
%
p.a.
Variable + Comparison Rate 
3.74
%
p.a.
Variable Rate
3.43
%
p.a.
Comparison Rate
Why is our comparison rate lower 
Principal +
Interest
Interest
Only
3.54
%
p.a.
Variable + Comparison Rate 
3.84
%
p.a.
Variable Rate
3.66
%
p.a.
Comparison Rate
Why is our comparison rate lower 
Principal +
Interest
Interest
Only
  • No application fees
  • No monthly fees
  • No offset sub-account fees
  • No exit fees
  • Simply no Nano fees

August 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.

Are you?

One place for all your needs

Offset sub-account

Pay your loan down faster by reducing the interest you pay with an offset sub-account.

Vaults

Easily budget and plan for the big things in life by tucking money away into vaults within your offset sub-account.

Refinancing? See how much you could save by comparing your current loan to Nano

What is the purpose of the property?
Loan type

With Nano you could save

$
over years

Your repayments would reduce by

$
per month

Your Nano repayments would be

$
per month

You’re already on a great rate.

There are many other reasons other than rate to consider switching to Nano:

  • We assess and approve loans in minutes not weeks
  • You’ll have one place to manage all your money
  • You’re in control of your money via our intuitive digital experiences

Looking to buy? Where are you in the journey?

We offer a low-rate, fee free home loan with all the features and benefits you’d expect including full approval**.

I’m looking at properties

Great, let’s get you ready to buy. When you’ve found a property Nano’s full approval gives you the confidence to bid or offer with certainty. Start by calculating your borrowing power.

I’m ready to make an offer

We believe your property journey should start with the confidence to bid or offer with certainty. That’s why we offer upfront full approval in minutes, not weeks.

I’ve had an offer accepted

Congratulations! Let’s get you approved fast to remove settlement stress. Paper free and hassle free; get an answer in minutes, not weeks.

What our customers say

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Make a smart money move

This estimate of savings is based on the information you provided and uses the home loan amount, term and interest rate you entered and the interest rate for the relevant Nano home loan product. Nano has assumed the following: monthly repayments, no fees and charges and zero balance in the offset sub-account.

For interest only, it has assumed that it will revert to the equivalent principal and interest rate and repayments for the remainder of the term. The actual savings may differ from the estimate provided. This is a comparison tool only and not an offer of a home loan. Please consider whether this home loan is appropriate for you having regard to your objectives and needs and seek independent advice for any financial, tax or legal questions.

Nano Digital Home Loans is provided by Digital Mortgage Solutions Pty Ltd ABN 85 628 608 391 (Australian Credit Licence 511406). Approval is subject to eligibility and credit criteria. Government fees and terms and conditions apply.  

$60,000 is the average interest savings Nano customers have saved over the life of their loan by switching to Nano as at February 2022.

* Please refer to our homepage for Nano’s comparison rates

** A full approval is not an offer to make a loan and Nano may still withdraw an offer and decline to make a loan in certain circumstances. Credit eligibility criteria applies. Government fees apply.

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