ChoiceLend was long known as the “no-frills” wholesale arm of NAB (via Advantedge), but it has stopped accepting new applications as NAB prepares to migrate all existing customers directly to NAB-branded products by late 2026.
If you currently hold a ChoiceLend loan, this guide breaks down the critical 2026 migration timeline, upcoming changes to your BPAY repayments, and how the move to NAB will finally grant you access to features like multiple offset accounts and the NAB banking app.
If they were looking for ChoiceLend, you will need to speak to an expert mortgage broker in Brisbane to find the right home loan for you..
Let’s dive in
What Happens To Current ChoiceLend Home Loan Borrowers?
If you already have a ChoiceLend loan, don’t panic. You still have a home loan, but the way you manage it is changing. NAB is currently moving all ChoiceLend accounts into its own banking system.
Here is exactly what you need to know for the 2026 transition.
Business as Usual (For Now)
Your daily banking won’t change immediately. For now, your BSB and account number stay the same. Your current interest rate also remains locked in place.
You do not need to re-apply for your loan. NAB will move your data automatically behind the scenes. This migration should finish by late 2026.
The "StarNet" Sunset
Are you still using the StarNet portal? Enjoy it while it lasts. NAB plans to switch off StarNet once the migration ends.
You will soon move to the NAB Mobile Banking App. This is a massive win for user experience.
- Apple Pay & Google Pay: You can finally use digital wallets.
- Fast Payments: Experience real-time OSKO transfers.
- Better Security: Use biometrics like FaceID to log in.
Important: BPAY Is Phasing Out
This is the most critical change for your calendar. ChoiceLend is phasing out BPAY repayments.
Key Date: You cannot use BPAY for ChoiceLend after March 31, 2026.
To avoid missing a payment, you must switch your method now. We recommend setting up a Direct Debit or Direct Credit. This ensures your credit score stays protected during the brand swap.
The NAB "Upgrade" Benefits (Post-Migration)
While moving to a new bank sounds like a chore, this migration is a massive win for you. ChoiceLend was a “no-frills” lender. By joining NAB, you gain features that were previously impossible to access.
Here is why this move is actually an upgrade for your wallet.
10 Offset Accounts: A Game Changer
The biggest flaw in the old ChoiceLend model was the lack of offset accounts. Every dollar you saved sat in a standard account, doing nothing for your mortgage.
After the migration, you can link up to 10 offset accounts to your variable loan.
- Save Interest: Every dollar in these accounts offsets your loan balance daily.
- The “Bucket” Strategy: You can now separate your money into categories like “Holiday,” “Bills,” or “Emergency Fund.”
- Stay Organized: All 10 accounts work together to slash your interest charges simultaneously.
Modern Digital Banking
Say goodbye to the outdated StarNet portal. You are moving to the award-winning NAB Mobile Banking App.
This isn’t just a fresh coat of paint. It adds heavy-hitting features that ChoiceLend customers have wanted for years:
- Digital Wallets: Full support for Apple Pay and Google Pay.
- Spending Insights: Track exactly where your money goes with automatic categorisation.
- Instant Control: Lock your card, change your PIN, or notify the bank of travel instantly.
Branch Access and Support
ChoiceLend had zero physical locations. If you had a complex problem, you were stuck on a phone line.
As a NAB customer, you gain access to one of Australia’s largest branch networks. While you should still call your mortgage broker for loan advice, you can now visit a local branch for:
- Identity Verification: No more mailing certified copies of your ID.
- General Enquiries: Speak to a human face-to-face about your banking.
- Emergency Support: Get instant help if your cards are lost or stolen.
Alternatives: Where To Go In 2026?
With ChoiceLend off the table, you might feel stuck. But this is actually the perfect time to explore your options. You don’t have to navigate this alone or settle for the first bank you see.
Chat with a Brisbane Mortgage Expert
The home loan market moves fast in 2026. At Hunter Galloway, we live and breathe Brisbane real estate. Whether you are buying in Paddington or refinancing in Chermside, we help you find a loan that fits your life.
Instead of walking into one bank, you get access to our panel of 30+ Australian lenders. We compare the big banks against smaller, “no-frills” lenders to find your perfect match
Why Our Home Loan Approval Rates Matter
Applying for a loan can be stressful. Did you know the industry average for home loan acceptance is only around 60%? Many people get rejected simply because they chose the wrong lender for their specific situation.
At Hunter Galloway, we do things differently.
- 97% Acceptance Rate: Our market-leading approval rate means we know how to package your application for success.
- Pre-Submission Reviews: We assign a dedicated Credit Manager to review your file before the bank even sees it.
- Zero Guesswork: We only apply with lenders we know will say “yes” to your unique profile.
The Advantage of Using an award-winning Broker
Every borrower is different. Maybe you are self-employed, have a HECS debt, or rely on unique bonus income. Most banks have rigid “computer says no” policies that don’t account for real life.
We specialize in navigating these complex credit policies. We find the lenders who value your specific income type. The best part? Our service is completely free. Lenders pay us for doing the legwork and processing your application. You get expert advice, a higher chance of approval, and a competitive rate—all without paying us a cent in brokerage fees.
Would you like us to run a free assessment to see which of our 30+ lenders offers the best alternative to ChoiceLend for your situation? Give us a call on 1300 088 065 and speak to one of our home loan experts
ChoiceLend Home Loan FAQs
Can I still apply for a ChoiceLend home loan?
No, ChoiceLend stopped accepting new applications on September 30, 2025.
What is the NAB migration?
NAB is moving all ChoiceLend customers to its own banking platform by late 2026 to consolidate its brands.
Will my interest rate change when I move to NAB?
NAB has stated that rates and fees should remain consistent during the initial transition.
Why can’t I use BPAY for my ChoiceLend loan anymore?
As part of the migration prep, BPAY support ends on April 1, 2026. You’ll need to set up a Direct Debit.
Will I finally get an offset account?
Yes! Once migrated to NAB in late 2026, you will have access to NAB’s offset account features.
Do I need to refinance to move to NAB?
No. NAB is handling the move internally, so no new credit assessment or “re-contracting” is required for existing customers.
What happened to the StarNet portal?
It remains active for now, but will be decommissioned once all loans have moved to the NAB banking app.
Who is the "Lender of Record" now?
While it was previously AFSH Nominees, NAB is now the principal credit provider for all remaining ChoiceLend loans.
Next Steps And Getting Your Home Loan Approved
Our team at Hunter Galloway is here to help you buy a home in Australia. Unlike other mortgage brokers who are just one person operations, we have an entire team of experts dedicated to help make your home loan journey as simple as possible.
If you want to get started, please give us a call on 1300 088 065 or book a free assessment online to see how we can help.
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