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When you decide to buy a home there's a lot to know and do. Our six-step process makes it easier.
When you sell you are probably looking to buy again - which means twice the work. Follow our process so you know what's involved.
Property investment can be very rewarding, but it's not for everyone. Find out how it works and what's involved before you take the plunge.
Sometimes the only way to get what you really wnat is to build from scratch.
Are you getting the best out of your home loan?
 

We understand that different people are in different situations. Whatever yours is, we'll work hard to find a home loan to suit you.

 

Products

Home loan summary table

Check out our home loan product comparison to see at a glance the main features of each type of home loan. More...

Fixed interest rate home loan

A Thoroughbred Fixed Rate Home Loan gives you certainty. You can fix the interest rate that applies to your loan so that your repayments are at a set level. You know where your money is going and when, so you're able to plan ahead.

Floating interest rate home loan

A Thoroughbred Floating Rate Home Loan gives you flexibility to make lump sum repayments whenever you like at no extra cost. The interest rate rises and falls in line with the market.

Flexible home loan

A Thoroughbred Flexible Home Loan is a home loan and a transaction account all in one. It is ideal for people who like to have control over their finances, have surplus income, or whose income varies.

Combining different types of home loans

You can choose any combination of fixed, floating, and flexible home loans to suit your needs.

What type of home loan is best for me?

What’s the difference between fixed, floating and flexible home loans and which one is best for your situation?  How can you use them as a combination?  More...

Repayment options for your home loan

You get to choose how best to make the repayments on your fixed home loan.  floating and fixed home loans have interest only, straight line or table loan repayment options.  With a flexible home loan you choose how and when you repay.

How to apply for a home loan

Apply online now or check out the other ways to apply for a National Bank Home Loan.

Home Ambition – saving for your first home

You could get in the door of your first home quicker with a Home Ambition package.  It's designed to help you save for your first home and give you a helping hand with some of the costs along the way.

Insurance

Flexible, quality cover for your home, contents, life and rental property.  More...

Our lending criteria, terms, conditions and fees apply to all loans.  This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008.  It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

 

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