Nano Digital Home LoansAvis 

The process from start to finish was faultless. We were guided every step off the way and the application was so simple we wish we had used Nano earlier. Would highly recommend

very helpful and polite team, have appreciated the adaptability to now allow for more than one property to be refinanced, debit card arrives in a timely manner, communication from the third party (I think they are called 'MSA National' could be improved (more of an issue for MSA but making the link to Nano as the link was facilitated by Nano), got a fright when it was discovered that there is a $20,000AUD withdrawal limit per-day, overall, it is a well-accepted process,

Having always been with big 4 banks, the application process and ultimate change to Nano was simple, innovative and stress-free. Not to mention the interest rate being substantially lower and fees being non-existent.
I HIGHLY recommend Nano.

This is how all home loans should work. In addition to a great rate and features, the application process from start to finish was simple and efficient. Will definitely move my investment loan over to Nano when that rolls over.

I recently settled a new home loan through Nano. It was a great experience - the application process was all digital, had simple steps and was clearly explained. The team was happy to talk over email rather than phone and answered my (many) questions quickly.

Going from completed application to unconditional approval took from Friday 1PM to Monday 5PM - impressively fast, and crucial in getting my contract of sale signed and exchanged before the vendor got cold feet.

The hour my property settled, I got an SMS and email with my mortgage documents and steps to download the Nano app, sign in, post a debit card to my new home and set up Google Pay. The app lets you manage your offset account, separate it into savings vaults, and control the card. It does everything you could want a mortgage account app to do.

I'm very impressed at how straightforward, thoughtful and no-bullsh*t this all-digital approach actually is. This is my second mortgage and so far I'm incredibly impressed with Nano versus the competition.

Saw NANO advertised on a very good search site (not one you have to put your details into) and thought oh well what have I got to lose.
Started the process and next thing in a very short time wow, I am nearly finished, no copying and scanning, the process couldn't have been easier and I would not hesitate to tell any of my friends to look at NANO first if they are looking for a home loan.
Very happy and very impressed with the process and I dont forget the features and low rate.

Very happy and well done NANO

Since switching to Nano they have been spot on with everything. Very efficient, very happy.

I got my refinancing to Nano completed just in time with new rate increases in Australia, so it feels like a great relief. All the process was quick and transparent, from the approval to settlement, and hey, they have a nice App and it’s easy to manage the mortgage and offset account. I’m loving it. Thanks, Nano!

Great bank technology wise.Hassle free

Loan application to approval to settlement was one of the smooth transition and refinance that I have ever done till now.

The digital loan application is totally exceptional. Almost paperless.

Very easy process, compared to standard big 4 loan application. No need to go anywhere. Everything is done on mobile phone.

Getting a home loan is something I normally wouldn't write a review about, its a necessary evil which you need to do to purchase your home. However my experience with Nano was so positive I was compelled to write this review. As someone who has applied for and secured multiple home loans over the years with different banks, I cannot describe how incredibly impressed I was with the whole Nano experience. Normally I am used to slow service plus sending huge amounts of documents to the banks with a lot of back and forth.

Nano was different, the process is by and large automated which means you can get approval incredibly quickly and it reduces the amount of documents you need to manually provide. Nano basically scans your bank accounts to determine your income and expenses and thus calculate the affordability of your loan, other areas of the process are automated as well. In my case I had unconditional approval in 1 week and that was including myself not providing all information in a quick manner, so it potentially could have been done even quicker. This was great as I started the application process maybe less than 2 weeks prior to the settlement of my property (something you would be insane to try with the big banks). Once the loan was approved it was a very simple process to continue on until post settlement, upon which I received final confirmation and was posted the Nano bank card.

What this means for you? If you want a quick and easy approval and a simplified process which can be done all online, Nano is for you. The rates are very competitive and there are no annual/monthly/application/settlement fees. There are also no gimmicks or 120 different types of loan. Just a standard principle & interest and interest only loan, under both owner occupier and investment. All of which come standard with an offset account.

I think that innovative companies such as Nano are incredibly important to not only give Australians better choice but more importantly better service, which is sometimes lacking in the big banks. I strongly encourage people to give lenders such as Nano a go.

I look forward to refinancing further loans with Nano in the future.

Easy to apply, great rates, great communication! Their app is really good too!

excellent service the process were simple and cute
fast and fabulous rates thanks Nano

Best decision I’ve made for years. They do exactly what it says on the box - cheap, quick, easy. Their process works, their technology/apps work, great communications along the way and responsive call centre if any questions. Took a week to refinance a loan that took 3 months to obtain originally. This is the future of home finance. They listened to what people want and built the products and platforms to deliver it. Keep doing what you are doing and watch the the big 4’s slice of the action decline as people find out there is an alternative to the big banks convoluted processes and fees

Other financial institutions were making us wait in very long queues to then tell us that a quick settlement was not possible for them .... they needed a fairly long settlement period to complete a valuation and 'process paperwork', etc. Nano said they thought they could do it easily. The initial application was comprehensive but fairly quick and a few follow up phone calls sorted out things that either side had questions about. On those follow up calls my number was recognized and I was automatically put through to the right area and the longest I ever waited on hold was about 90 seconds. And to top it off, they had one of the best rates out there! Fantastic! Thank you!

Just had my 2nd refinance settled last week and it went as smoothly as the first. As with the last reviewer, the longest part of the entire process was waiting for Aussie Post to get the signed documents back to Nano with their excruciating snail mail. The app seems simple to use.

As long as nano can remain competitive with the Big4, I can't imagine needing to refinance again. I note CBA announced a new digital loan product with a rate slightly lower than Nano's whilst I was in the process of switching from CBA to Nano. Too little too late and their retention team didn't even mention this to me when they tried to tempt me to stay. I will never go back to CBA as long as I live!

I have just refinanced and the process was ridiculously smooth! It’s actually how it should be, we’ve just become so accustomed to how slow banks are! After applying I had approval the next day and settled a few weeks later, everything happened when they said it would happen which having bought and sold a few houses I can safely say I’ve never settled without an issue in the past. The longest part of the whole process was Aus post getting my documents back to Nano. I got an email straight away after settlement to set up the app and have my card delivered and now I’m ready to go. I’m so excited about all these new digital lenders who may actually shake up the banks and force them to provide a better product and service.

Simple easy process with nano and they are quick with the results

This was probably the easiest switch of mortgage provider I have ever experienced. I review my mortgage regularly and have switched multiple times. The platform is great and had no issues with the technology. Providing Nano can keep competitive rates, I could see me staying with them for some time.

The application process is truly astonishing.... worlds apart from the major lenders that seem so archaic by comparison. Settlement was smooth from Nano (MSA) side with good communication along the way. Early days but very impressed so far. My only feedback would be to transition the offset account as a genuine deposit taking account for the government guarantee, however I knew this going in. The app is quite good. Hopefully one day Nano will issue a desktop log in (lost phone, flat battery overseas type scenarios are a concern).
Again, I knew this going on.

A brilliant experience overall (and I have never said that about a lender)! Would absolutely recommend.