Welcome to NAB Communications

In September, NAB will send you a welcome letter containing important information about the upcoming move to NAB.

The letter includes:

Your NAB ID, unless you already have one.
Your NAB Tailored Home Loan account details.
Information about your interest rate following the move to NAB.
Instructions on how to register for NAB Internet Banking and the NAB app.
Information about your home loan features, including such as offset arrangements and redraw.

A reminder about the limited servicing period.

Looking for more information?

For detailed information about what to expect before, during and after migration, refer to the FAQs below or visit the NAB migration website.

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 branded home loans in late 2026.

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. This will happen gradually, in phases.

Advantedge has now stopped accepting new home loan applications. Servicing activities and variation requests (except for adding new borrowers) will continue until advised.

Advantedge will continue to keep all customers, aggregators, brokers and mortgage managers up to date on key milestones and dates during this process.

Find out more:

Key important dates

Following the RBA’s decision on 29 September 2026, variable rates for existing Advantedge home loans will increase by 0.25% p.a. from Saturday 17 October 2026, when these loans migrate to NAB. You will be able to view your interest rate and repayments through NAB Internet Banking and the NAB app from 19 October 2026.

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	Submit before: Wednesday 14 October 2026
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
Construction payments	All stages construction payments	Submit before: Wednesday 16 October 2026

Settlements and structural changes

Activity	Details	Cut-off date
Credit critical variations	Includes loan increases, security changes, loan splits, change of borrower and Interest Only	Applications for credit critical variations are now closed. Existing applications must be: Approved: Friday 11 September 2026 Settled by: Monday 28 September 2026. You can submit credit critical variations to NAB after migration from 19 October 2026.
Discharges	Full discharges only	Submit before: Tuesday 6 October 2026 Settle by: Wednesday 14 October 2026
Partial discharges	Requires credit assessment	Submit before: Tuesday 29 September 2026 Settle by: Wednesday 14 October 2026
Consents	All consent types, Subdivisions, Deceased Estates, Second Mortgages, Leases, Easements & Transfer of Ownership

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.