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NAB home loans

National Australia Bank, more commonly known as NAB, is one of the big four banks in Australia. NAB is headquartered in Melbourne and has more than 900 locations across the country. NAB has over 30,000 employees who serve over 9 million customers.

NAB offers a wide range of home loans, including mortgages for first-time buyers, investors, renovators and refinancers.

Mark Bristow
Mark Bristow

Personal Finance Editor

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Product data updated

Why choose NAB


  • Large variety of home loans to choose from
  • Loans can be packaged with other financial products
  • Flexible loan features
  • Comprehensive customer support


  • Some loans have fees
  • Less competitive interest rates

NAB Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Contact a mortgage broker

NAB home loans are available through brokers who can help find the right loan and manage your application at no charge.

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Patrick Ryan

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NAB customer service

Home loan customers at NAB are able to speak to customer support by contacting the home loan hotline seven days a week, or by popping into a NAB branch, emailing the bank directly or by filling out an online enquiry form. Potential NAB customers can also chat with a customer service representative via the online chat function or can contact a NAB mobile banker directly.

  • Customer service (phone, email, branch)
  • Mobile app
  • Online banking
  • Live Chat
  • Mobile banking staff

How to apply for an NAB home loan

NAB provides potential customers with multiple ways to apply for a home loan. This includes calling the bank, applying online, visiting a branch or organising for a NAB Mobile Banker to come to you. 

Before applying for a home loan, think about how much you can afford to borrow given your financial situation and income. 

You will also need to provide documentation when applying for a home loan, including:

  • Personal identification
  • Proof of income – whether you are self-employed or work for an employer
  • Proof of other income, including rental from investment properties
  • Information regarding your current debts, liabilities and assets

About NAB home loans

As one of Australia’s big four banks, NAB offers a wide variety of mortgages that suit almost every type of borrower, including:

  • First home buyers
  • Upgraders
  • Investors
  • Renovators
  • Refinancers

Those who choose a NAB mortgage can choose from a variety of interest rate options, including:

  • Principal-and-interest home loans
  • Interest-only home loans
  • Variable interest rates
  • Fixed interest rates
  • Split loans

Mortgage borrowers may be able to earn discounts and fee waivers when they combine their home loan with other NAB products, like credit cards. Some NAB home loans also offer lower (temporary) introductory interest rates and interest rate discounts.

NAB generally charges an application fee and annual service fee for its home loans, though some offers may waive some or all of these fees. 

NAB home loan rates

While NAB doesn’t always offer the lowest rates on the market, it attracts customers with its well-known brand, extensive branch network, and convenience.

As a general rule, NAB home loans for owner-occupiers have lower interest rates than mortgages for investors, and borrowers who choose principal and interest loans tend to get lower interest rates than those who choose interest-only mortgages. 

NAB also offers home loan rates for variable and fixed mortgages. Rates can be fixed for a term between one and five years, with the longer fixed terms more often charging higher fixed interest rates. 

NAB home loans review

NAB is well-known and well-regarded by many Australians, and provides home loan options that could be suited to almost any type of borrower. There are NAB home loans suited to first-time buyers, renovators, refinancers, and investors. 

NAB home loans can be principal and interest or interest-only. Borrowers can also choose for their mortgages to be variable, fixed, or split.

While NAB doesn’t always offer the lowest home loan interest rates on the market, and you may need to account for application and ongoing fees, bundling or packaging your mortgage with other NAB financial products may let you enjoy extra value or see some of your fees waived.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.