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Important notice

The products and services described in this site are available only to Australian residents and in relation to property in Australia. Applications from people other than Australian residents will not be accepted. The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of Victoria and the Commonwealth of Australia (“Australian law”). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information in this site is current at the date of publication but may be subject to change.

We do not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. We recommend that you seek independent advice before acting on any information in this site. Subject to any terms implied by law and which cannot be excluded, we accept no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information in this site. All applications for credit are subject to our usual credit assessment criteria.

This website may contain links to third party websites for your information and convenience. The operators of these sites are not affiliated with us and we are not responsible for the content of these sites. We will not be liable for any loss or damage resulting from your use of any aspect of these sites and all such use is solely at your risk. In particular, us, our related companies and businesses and personnel do not guarantee that any file or program available for download and/or execution from or via these sites is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used.

Any advice contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this website, we recommend that you consider whether it is appropriate for your circumstances.

A Product Disclosure Statement (PDS), Terms & Conditions (T&C) or Financial Services Guide (FSG) may be available for products and services on this website. Refer to the product or service web page, or contact us, to see if a PDS, T&C or FSG is available. If a PDS, T&C or FSG is available, we recommend that you consider the PDS, T&C or FSG before making any decision about a product or service. Fees & charges apply. In this important Notice the expressions “we”, “us” and “our” mean National Australia Bank Limited (NAB) ABN 12 004 044 937 (Australian Financial Services Licence and Australian Credit Licence 230686) of Level 28, 395 Bourke St, Melbourne 3000.

Our deposit, savings and term deposits accounts (including the USpend and USave accounts) are issued by UBank, a division of NAB. For our UHomeLoan loan product – the credit provider is AFSH Nominees Pty Ltd ABN 51 143 937 437 Australian Credit Licence 391192. UBank is the mortgage manager for UHomeLoan products. Target Market Determinations for these products are available at


© UBank a division of National Australia Bank Limited. ABN 12 004 044 937. “Copyright in the information contained in this site subsists under the Copyright Act 1968 © and, through international treaties, the laws of many other countries. It is owned by UBank unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 © or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of UBank.”