About Smartline Select™

Just like your home, a Smartline Select™ loan is made for you – giving you the option to select the key features you want, without having to pay for the ones you don’t need.

Learn more about Smartline Select in these short videos (90 seconds):

About Smartline Select

Redraw Explained


Smartline Select™ – the home loan that’s made easy for you

  • Easy to understand, quality home loan options

  • Expert advice and support from your Smartline Adviser to help you select the features for your needs

  • An annual fee1 and competitive rates to help you save

  • 24/72 secure online, tablet and mobile access to your accounts

  • A Smartline Select™ debit card with convenient redraw3 access to your variable rate home loan funds via ATMs4 or EFTPOS

  • Direct debiting from your home loan to your everyday bank account

  • The option to make extra repayments to your variable rate home loan at no cost

  • A dedicated CustomerCare team to make managing your loan easy

  • The backing of the largest wholesale lender in Australia, Advantedge – part of the National Australia Bank Group.

Smartline Select™ offers a variety of options with interest rates to suit your needs. To find out more about available rates and how Smartline Select™ can work for you, speak to your Smartline Adviser today.


Support during Coronavirus (COVID-19)

At Smartline Select™, we know this is an extremely difficult time for many of our customers and we want you to know that we’re here to help.

Find out more on how we can support you with your home loan. Smartline Select™ is funded by Advantedge Financial Services.


1 Fees may be introduced and varied in accordance with loan terms.

2 Subject to system availability.

3 Subject to loan terms.

4 Use of NAB or Redi ATM networks are free of charge. Fees and charges may apply to use other ATM networks.


Smartline Select™ products are funded by the Advantedge Residential Loan program. AFSH Nominees Pty Ltd (AFSH) ACN 143 937 437 Australian Credit Licence 391192 is the program lender and Advantedge Financial Services Pty Ltd (Advantedge) ACN 130 012 930 Australian Credit Licence 391202 is the program loan servicer. The program is funded under arrangements with National Australia Bank Limited (NAB). Each of AFSH and Advantedge are members of the NAB Group. NAB does not guarantee the obligations of its subsidiaries. Smartline Select™ is distributed by Smartline Home Loans Pty Ltd ABN 38 085 370 270 Credit Representative 381913 of Smartline Operations Pty Ltd ABN 86 086 467 727 Australian Credit Licence Number 385325.