Advantedge Home Loans Have Moved to NAB

The transfer took place on 17 October 2026. Online access followed on 19 October. The changeover dates below help explain what you see on your statements.

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 those new details for payments now. Payments sent to the old details after 18 October won't be processed.

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 NAB. 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.

Interest-only payments are now due on the last business day of each month. Check that your 30 October payment was made and confirm the next amount and due date in NAB banking. If a payment is missing or you are struggling to meet it, contact NAB promptly.

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'll need an eligible NAB transaction account for redraw or an offset. The offset only works on eligible variable loans. A fixed-rate split won't reduce your interest while the rate is fixed.

StarNet is no longer available. Use NAB Internet Banking or the NAB app to manage the loan. 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 former Advantedge loan, now with NAB, and compare the cost of staying or switching.

Existing Advantedge variable rates increased by 0.25% on 17 October 2026 when the loans transferred to NAB.

Your welcome letter shows the Advantedge variable rate when the letter was prepared. It also explains that a later NAB rate change can apply. Check the updated rate and repayment in NAB Internet Banking or the app.

An agreed fixed rate continues until its scheduled end date. The monthly loan service fee is not charged after the move, regardless of how many loan accounts you have. NAB will notify you if that changes. Other fees may still apply.

NAB now services the loan. The old Advantedge cut-offs were changeover deadlines, not a permanent ban on changing your loan or refinancing. If you lodged a request before the move, check its status with NAB and your broker.

If a request was caught in the changeover, ask NAB to confirm who is handling it and what is still needed. The migration information explains the transfer. We can help you work through the next steps before you commit to a date.

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.

The changeover processing pause ran from 14 October until processing resumed on 19 October. If you sent a progress payment request during that period, check that it has been picked up.

Follow the instructions from your NAB Construction Case Manager for future requests. If you haven't received that handover or a builder's invoice is still unpaid, contact NAB or your broker before resending documents to an old address.

If your builder expects a payment soon, check the timing with your broker and lender. Our construction loan guide explains how progress payments work.

NAB started posting final Advantedge statements from 19 October. Allow 1 to 3 weeks for yours to arrive. You can also view previous home loan statements through NAB banking.

For help with your transferred home loan, call NAB on 13 78 79, visit a NAB branch or use secure messaging in NAB banking. NAB lists its current hours on its home loan contact page.

If you want us to review your rate, we can ask NAB for a pricing review and compare the result with other lenders.

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 transferred loan, use the NAB account details and instructions in your welcome letter.

You don’t need to refinance just because the loan has moved 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 for an initial borrowing estimate. We can compare the repayments, fees and remaining loan term to help you decide whether to stay or refinance.