Refinance in minutes

Our digital home loan application takes minutes, not weeks.

Low variable rates with no fees

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 fees

  • No application fees
  • No account fees
  • No transaction fees
  • No usage fees
  • Simply no Nano fees

More on fees

No loyalty tax

You get our best rate, no need to ask. That’s what we mean by fair. 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 – No fees and low rates.

Nano loans

Property type


Owner occupied

Investor

Repayments


Principal & Interest

Interest only

Application


Single

Joint

Loan size


Minimum $100K

Maximum $2.5M

How it works

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.

Choose how you spend

Instantly access your offset sub-account with your Nano Visa debit card^ or via Apple Pay and Google Pay.

Nano payments and Visa debit card features
Instant payments, scheduled payments and transfers using BSB & account number or BPAY number
Purchase with your Nano Visa debit card^, mobile phone or watch instore or online
Direct debit & BPAY for easy bill payments
International transactions with $0 foreign exchange fees
No Nano fees on domestic and international transactions

Direct access anywhere, anytime

Nano App Features
View and understand your money with visualised data
Track spending with real time notifications
Instantly send money to yourself or your friends
Categorise transactions and see details with merchant logos, map locations, contact info and more
Freeze and unfreeze your cards instantly

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.

Variable rates are subject to change, but were correct in the video featured on this page as at 13/12/2021

Nano does not charge fees. Government charges still apply.