Nano Digital Home Loans variable loan

Nano has competitive loans for investors and owner-occupiers, but you need to be refinancing an existing loan.

Nano Digital Home Loans is an online lender that says it can approve your loan in minutes. But you do need to be a refinancer and meet a specific set of borrowing criteria.

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Review by


Richard Whitten is a senior writer at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

If you want to switch to a variable rate loan and you want to switch fast, Nano Digital Home Loans is definitely worth checking out. If you match the lender's borrowing criteria then it shouldn't take long to get approved. The total lack of fees is another big benefit. The loan also lets you save money through the "offset sub-account" and spend it with a Visa debit card. It's not a genuine offset account, but it functions in a very similar way.

About this loan

What are the features and benefits of the Nano home loan?

  • Deposit size. Nano Digital Home Loans lets you borrow up to 75% of your property's value, meaning you will need a 25% deposit.
  • Loan amount. You can borrow up to $2,500,000, with a minimum loan size of $100,000.
  • Fees. This loan has zero fees.
  • Borrowing requirements. To qualify for a Nano Digital Home Loans loan you need a PAYG income of at least $100,000 a year and have a good credit rating.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to get in touch with Nano Digital Home Loans.

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