Low interest rates

The same fair rates for new and existing customers, plus we don’t charge fees.

Nano variable rates

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

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.

No loyalty tax

You’ll always get our best rate, no need to ask. We reward new and existing customers alike.

No pricing gimmicks

We don’t believe in pricing gimmicks like cashback offers or honeymoon periods. We keep it simple so you know what you get – fee free, sharp rates.

Free features

We offer you one simple account at no extra cost. Fee free 100% offset sub-account, mobile app, Visa debit card^, BPAY, Google Pay and Apple Pay.

No fees

Unlike most lenders we don’t charge fees, which could save you thousands over the life of your loan.

  • No application fees
  • No valuation fees
  • No settlement fees
  • No monthly fees
  • No annual fees
  • No offset sub-account fees
  • No transaction fees
  • No Visa debit card fees in Australia or overseas
  • No early pay out fee
  • No exit or discharge fee

When Refinancing

  • Government charges will apply
  • Your other lender may charge an exit fee

When Buying

  • Government charges like stamp duty which vary by state
  • Solicitor / Conveyancer fees

Make a smart money move

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