NAB FlexiPlus Mortgage

Access your equity with a flexible line of credit loan

With the NAB FlexiPlus Mortgage, you can maintain a flexible line of credit and access it any time to finance your investment or lifestyle goals.

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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206) and a Tier 1 Generic Knowledge certification (RG 146).

Expert review

The FlexiPlus is a line of credit home loan, meaning it allows borrowers to borrow money using the equity in their property. It's not available to applicants living overseas or applicants requiring Foreign Investment Review Board (FIRB) approval to buy a property in Australia.

About this loan

What are the features and benefits of the NAB FlexiPlus Mortgage?

  • High loan to value ratio (LVR). With the FlexiPlus, new home owners can borrow up to 80% of the property value. Note that borrowing more than 80% can come with LMI fees.
  • Construction-friendly. You can use your home loan funds when and if you need them. This makes the loan ideal for people looking to build as well as for first home buyers, investors or those buying their next property.
  • Withdraw funds at any time. This loan is a line of credit, so you can withdraw funds up to your credit limit at any time. You can use the funds you withdraw for any purposes you see fit.
  • Flexible repayments. Not everyone is paid the same amount of money on the same day of every week. You might get paid weekly, fortnightly or even monthly. The FlexiPlus Mortgage option allows you to choose what frequency your repayments are made, as long as you cover the interest due.

What fees and charges come with this loan?

  • Application fee: $600. This is the fee used to set up your account and home loan. It covers things like creating files and setting up the paperwork.
  • Package service fee: $250. This fee is charged to pay for the continued maintenance of your package.

How to apply

You can enquire with NAB directly about this loan by clicking the green 'Go to site' buttons on this page. Once you reach the NAB website you'll need to fill out some basic contact details and an expert from NAB will call you back to discuss your options.

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    June 27, 2022

    Is a flexiplus mortgage available to a trust

      June 29, 2022

      Hi Kevin,

      It is best to contact NAB directly for more details. It is also important to read their Product Disclosure Statements and Terms & Conditions for more information.

      Kind regards,

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