Migration of Advantedge home loans to NAB
On 11 June 2025, the NAB Group announced that all existing Advantedge home loans will be migrated to NAB.
With this announcement, NAB replaced AFSH Nominees as the credit provider for Advantedge home loans. AFSH Nominees will act as an agent and credit representative of NAB until the migration of Advantedge home loans to NAB branded loans is complete.
Advantedge has now stopped accepting new home loan applications. Servicing activities and variation requests (except for adding new borrowers) will continue. Refer to the key important dates below.
Key important dates
Customer and loan account maintenance
Activity | Details | Cut-off date |
Customer / account updates | For example updates to contact details, repayments, direct debits, adding/removing power of attorney and third-party authorities | |
Redraw / funds transfer | Includes all redraw types, payments and transfers | |
Repayment arrangements | Missed payment arrangements | |
Construction payments | All stages construction payments | |
Rate reviews and fixed rate requests | Includes all pricing changes | |
Non-credit critical variations | Includes refix, limit changes, IO changes, loan merges, split changes |
Settlements and structural changes
Activity | Details | Cut-off date |
Credit critical variations | Includes loan increases, security changes, change of borrower and Interest Only | Submit by:Tuesday 25 August 2026 Approved by: Friday 11 September 2026 Settle by: Monday 28 September 2026 |
Discharges | Full discharges only | Submit by: Tuesday 6 October 2026 Settle by: Wednesday 14 October 2026 |
Partial discharges | Requires credit assessment | Submit by:Tuesday 29 September 2026 Settle by: Wednesday 14 October 2026 |
| Consents | All consent types, including titles, T/O, estates |
Important: Please submit any requests as early as possible to allow time for processing. Any applications / requests submitted after the cut-off will not be processed by Advantedge and will need to be completed by NAB following the migration.
Important information about your Terms and Conditions
In August, we sent you a letter:
- confirming that your loan will migrate on to NAB’s systems on 17 October 2026 and will be referred to by NAB as a NAB Tailored Home Loan; and
- enclosing a notice of a change, explaining how your loan terms and conditions will change on the migration.
For loans where the lender is AFSH Nominees Pty Ltd or NAB Limited, we provided this notice of change:
1. Notice of Changes to your Loan Contract Terms and Conditions - this explains what the changes are and how these changes will affect your loan/s
2. Home Loan General Terms - These are your booklets of varied terms which also include an Addendum setting out how the general terms operate in a different way for your home loan/s.
For loans where the lender is Perpetual Trustees Victoria Limited, we provided this notice of change:
3. Notice of Changes to your Loan Contract Terms and Conditions - this explains what the changes are and how these changes will affect your loan/s
4. Home Loan General Terms - These are your booklets of varied terms which also include an Addendum setting out how the general terms operate in a different way for your home loan/s.
What this means for you today
- Your current loan details, including repayments and account details, remain the same
- You can continue using your existing access and services
When your loan migrates to NAB
Your Advantedge home loan will be transferred onto NAB’s systems. NAB will refer to it as a NAB Tailored Home Loan and will be managed by NAB.
Some of the key differences you may notice include:
How you access your loan
Your Internet banking will change from StarNet to NAB Internet Banking and the NAB app. You will need to register to use NAB Internet Banking and the NAB app.
Home loan account details
You’ll receive a new BSB and account number, which you’ll need to use for future payments and transfers.
Home loan features and functionality
Some features may work differently under NAB. You may also have access to additional functionality available on your NAB Tailored Home Loans such access to offset if you have a variable rate loan and meet NAB’s requirements relating to offset.
How your home loan is serviced
Your loan will be serviced by NAB, with access to NAB contact channels and self-serve digital tools.
To find out more about your migration to NAB and your home loan after the migration, you can visit the NAB migration website.
What happens next
We’ll continue to keep you updated as we get closer to your migration date.
In September, we’ll send another communication with important information to help you prepare for your home loan moving onto NAB’s systems including:
- Your new BSB and account details
- Your NAB Identification Number
- Instructions on how to set up NAB Internet Banking and the NAB app
Please ensure you have updated your mobile number as you will need this to register for Internet Banking and the NAB App
If you’re looking for more information, the FAQs below cover common questions about the migration
Are you experiencing hardship?
We understand that circumstances can change. If you’re experiencing financial difficulty, support is available.
Learn more about our financial assistance.
Keeping you safe
Protecting your personal information is important to us.
In addition to the Advantedge Privacy Policy, your information is also protected under NAB’s Privacy Policy.
More information and support
The Banking Code of Practice applies to Advantedge and NAB home loans. This Code provides important safeguards and protections for customers.
If you would like a copy, you can access it through the Australian Banking Association.
We’re here to help
If you have questions about your home loan, please contact us.