Advantedge Home Loans: Moving to NAB in October 2026

Advantedge’s 9 September update confirms the timetable below. The move happens over the weekend; online access to your home loan starts on the Monday.

Your welcome letter includes your new NAB BSB and account number. Give these details to anyone paying into your loan, including your employer if your salary goes there. Use the new details for payments from 19 October. Payments sent to the old details after 18 October will be returned.

Your welcome letter includes your NAB ID if you need one, new loan account details, information about your interest rate, online banking instructions and a checklist. Keep it alongside the change-of-terms documents sent in August.

If your address or mobile number has changed, update it with Advantedge now. You’ll need the right mobile number on file to set up online banking. The official migration page has the latest notices.

The repayment dates need a close look. The September update sets out different arrangements for principal-and-interest and interest-only loans. “September interest” means the interest being collected, even where the payment falls in October.

For the affected September interest-only payment, the notice says leaving it unpaid won’t count as a missed payment for arrears purposes. But it isn’t waived: it remains part of your debt, accrues interest and, if still unpaid when your interest-only period ends, is repaid through principal-and-interest repayments.

After October, interest-only payments are due on the last business day of each month. I’d check your October cash flow now, especially if you’ll have 2 payments to cover.

This is one of the more useful changes. Advantedge’s old loans relied on redraw rather than an offset. At NAB, eligible variable home loans can have up to 10 linked offset accounts.

An offset keeps your money in a separate transaction account while reducing the loan balance used to calculate interest. With a $500k loan and $30k in a full offset, you pay interest on $470k. Whether it suits you depends on how much cash you keep there and the loan’s overall cost.

You can open the eligible transaction account before the move so it’s ready. The offset offer is for eligible variable loans; don’t assume your fixed-rate split gets one too.

StarNet was a basic loan portal. The move brings NAB Internet Banking and the NAB app, giving you more day-to-day banking options. Our NAB home loan review explains the broader range, but your migration letter sets out the offer for your particular loan.

Our Brisbane mortgage brokers can review your existing Advantedge loan and compare the cost of staying or switching.

The August letter explains the changes to your loan contract. Your welcome letter includes your rate after the move.

The published FAQs say an agreed fixed rate continues for the rest of its fixed period. Variable rates can still change. Compare the actual rate in your welcome letter with your current rate, and check any later notices before assuming it’s locked in.

The monthly loan service fee won’t be charged after the move, regardless of how many loan accounts you have. NAB will notify you if that changes. Other fees may still apply.

Don’t leave a time-sensitive request until the week of the move. Different requests have different deadlines. These are the published cut-offs; submitting on the last day doesn’t guarantee your request can be completed.

Requests that miss the relevant cut-off may need to wait until NAB can handle them after the move. See Advantedge’s servicing dates before booking a settlement or relying on access to redraw.

If you’re weighing up a switch, our refinancing guide explains what to compare. A new NAB application’s advertised turnaround time doesn’t tell you how quickly an existing Advantedge variation or migration request will be handled.

Construction progress payments can’t be processed from 14 October until processing resumes on 19 October. Requests received during that pause will be held for NAB to process from 19 October.

You can still send a request to Advantedge until close of business on 16 October, but that doesn’t mean it can be paid during the pause. After that, requests go to NAB at nabdocs@applyonline.com.au. A NAB Construction Case Manager is due to provide more information closer to the move.

If your builder expects a payment that week, speak with your broker and lender early. Our construction loan guide explains how progress payments work.

Advantedge was part of NAB and sat behind loans sold under other names through brokers. That’s why your paperwork might say Connective Essentials or ChoiceLend rather than Advantedge.

The affected product name matters. A brand may have used several funders, so don’t assume every loan with that brand is part of this move. Check your loan documents and migration letter.

Connective Essentials has closed to new lending. Other Connective ranges have different funders and continue separately. For example, Select is backed by Bendigo and Solutions by Pepper. Our Connective Home Loans review explains the differences.

If your paperwork says ChoiceLend, our ChoiceLend review explains the background. For your move to NAB, follow the dates and instructions in your welcome letter.

You don’t need to refinance just because the loan is moving to NAB. I’d check what you’re being offered first. If the rate is reasonable and the new features suit you, staying may be the easier option.

If the price or setup doesn’t suit, we can compare other lenders. Include any discharge costs, fixed-rate break costs and the costs of a new loan. Also watch the remaining term: stretching the debt over a fresh 30 years can lower repayments while increasing the total interest.

Start with our NAB review and Connective guide, and use our mortgage calculator to compare repayments. We can compare the repayments, fees and remaining loan term to help you decide whether to stay or refinance.