NAB Home Loan Rates

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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 9,000,000 customers.

NAB offers a wide range of home loan products, including mortgages for first-time buyers, investors, and renovators. It also offers customers the option of moving their current home loan to NAB.

NAB home loan repayment calculator

Thinking about taking out a home loan with NAB? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how NAB home loans compare with other options.

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NAB home loans rates

Now showing 1 - 91 of 91 home loans

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Product	Advertised Rate	Estimated upfront fees	Company	Comparison Rate*	Ongoing fee
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.09% Variable	$0	Base Variable Rate Home Loan	3.09%	$0	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.29% Variable	$0	Base Variable Rate Home Loan	3.29%	$0	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.39% Variable	$0	Base Variable Rate Home Loan	3.39%	$0	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.59% Variable	$0	Base Variable Rate Home Loan	3.59%	$0	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.70% Variable	$0	Base Variable Rate Home Loan	3.70%	$0	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	4.27% Variable	$0	Base Variable Rate Home Loan	3.92%	$0	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.65% Variable	$0	Base Variable Rate Home Loan	4.00%	$0	More details
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Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.19% Fixed - 5 years	$0	Choice Package	4.17%	$395	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	4.22% Variable	$0	Base Variable Rate Home Loan	4.22%	$0	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.19% Fixed - 4 years	$0	Choice Package	4.24%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	2.98% Fixed - 3 years	$0	Choice Package	4.26%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.29% Fixed - 5 years	$600	Tailored Home Loan	4.30%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.92% Variable	$0	Choice Package	4.32%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	2.88% Fixed - 2 years	$0	Choice Package	4.34%	$395	More details
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Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	2.98% Fixed - 2 years	$0	Choice Package	4.36%	$395	More details
Base Variable Rate Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	4.60% Variable	$0	Base Variable Rate Home Loan	4.37%	$0	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.29% Fixed - 4 years	$600	Tailored Home Loan	4.40%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 5 years	$0	Choice Package	4.42%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 5 years	$0	Choice Package	4.42%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.08% Fixed - 3 years	$600	Tailored Home Loan	4.46%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.19% Fixed - 1 year	$0	Choice Package	4.48%	$395	More details
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Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 4 years	$0	Choice Package	4.48%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 4 years	$0	Choice Package	4.48%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.58% Fixed - 3 years	$0	Choice Package	4.49%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.68% Fixed - 3 years	$0	Choice Package	4.49%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	4.49% Variable	$0	Choice Package	4.51%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.58% Fixed - 2 years	$0	Choice Package	4.57%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.68% Fixed - 2 years	$0	Choice Package	4.58%	$395	More details
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Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 5 years	$600	Tailored Home Loan	4.58%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.99% Fixed - 5 years	$600	Tailored Home Loan	4.58%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.08% Fixed - 2 years	$600	Tailored Home Loan	4.59%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.59% Fixed - 5 years	$0	Choice Package	4.67%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 1 year	$0	Choice Package	4.68%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 1 year	$0	Choice Package	4.68%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 4 years	$600	Tailored Home Loan	4.68%	$8	More details
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Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.99% Fixed - 4 years	$600	Tailored Home Loan	4.68%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.68% Fixed - 3 years	$600	Tailored Home Loan	4.73%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.69% Fixed - 5 years	$0	Choice Package	4.73%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.78% Fixed - 3 years	$600	Tailored Home Loan	4.73%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 5 years	$0	Choice Package	4.73%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.28% Fixed - 3 years	$0	Choice Package	4.76%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.29% Fixed - 1 year	$600	Tailored Home Loan	4.76%	$8	More details
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Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.59% Fixed - 4 years	$0	Choice Package	4.76%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.69% Fixed - 5 years	$600	Tailored Home Loan	4.80%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.69% Fixed - 4 years	$0	Choice Package	4.82%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 4 years	$0	Choice Package	4.82%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.38% Fixed - 3 years	$0	Choice Package	4.84%	$395	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.48% Fixed - 3 years	$0	Choice Package	4.84%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.68% Fixed - 2 years	$600	Tailored Home Loan	4.85%	$8	More details
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Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.78% Fixed - 2 years	$600	Tailored Home Loan	4.85%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.28% Fixed - 2 years	$0	Choice Package	4.88%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 5 years	$600	Tailored Home Loan	4.90%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 5 years	$600	Tailored Home Loan	4.90%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	4.77% Variable	$600	Tailored Home Loan	4.90%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	4.52% Variable	$0	Choice Package	4.91%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.69% Fixed - 4 years	$600	Tailored Home Loan	4.92%	$8	More details
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Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.38% Fixed - 2 years	$0	Choice Package	4.97%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.38% Fixed - 3 years	$600	Tailored Home Loan	4.97%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.48% Fixed - 2 years	$0	Choice Package	4.97%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 1 year	$600	Tailored Home Loan	5.00%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.99% Fixed - 1 year	$600	Tailored Home Loan	5.00%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	4.82% Variable	$0	Choice Package	5.00%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 4 years	$600	Tailored Home Loan	5.02%	$8	More details
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Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 4 years	$600	Tailored Home Loan	5.02%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.59% Fixed - 1 year	$0	Choice Package	5.04%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.48% Fixed - 3 years	$600	Tailored Home Loan	5.08%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.58% Fixed - 3 years	$600	Tailored Home Loan	5.08%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	5.34% Variable	$600	Tailored Home Loan	5.12%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.38% Fixed - 2 years	$600	Tailored Home Loan	5.13%	$8	More details
Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.69% Fixed - 1 year	$0	Choice Package	5.13%	$395	More details
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Choice Package Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 1 year	$0	Choice Package	5.13%	$395	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.48% Fixed - 2 years	$600	Tailored Home Loan	5.24%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.58% Fixed - 2 years	$600	Tailored Home Loan	5.24%	$8	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.69% Fixed - 1 year	$600	Tailored Home Loan	5.34%	$8	More details
Portfolio Facility	3.74% Fixed - 5 years	$0	Portfolio Facility	5.34%	$550	More details
Portfolio Facility	3.84% Fixed - 5 years	$0	Portfolio Facility	5.38%	$550	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.79% Fixed - 1 year	$600	Tailored Home Loan	5.45%	$8	More details
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Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	3.89% Fixed - 1 year	$600	Tailored Home Loan	5.45%	$8	More details
Portfolio Facility	3.74% Fixed - 4 years	$0	Portfolio Facility	5.47%	$550	More details
Portfolio Facility	3.84% Fixed - 4 years	$0	Portfolio Facility	5.50%	$550	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	5.37% Variable	$600	Tailored Home Loan	5.50%	$8	More details
Portfolio Facility	3.43% Fixed - 3 years	$0	Portfolio Facility	5.52%	$550	More details
Portfolio Facility	3.53% Fixed - 3 years	$0	Portfolio Facility	5.55%	$550	More details
Tailored Home Loan Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	5.67% Variable	$600	Tailored Home Loan	5.61%	$8	More details
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Portfolio Facility	3.43% Fixed - 2 years	$0	Portfolio Facility	5.70%	$550	More details
Portfolio Facility	3.53% Fixed - 2 years	$0	Portfolio Facility	5.72%	$550	More details
Portfolio Facility	5.28% Variable	$0	Portfolio Facility	5.81%	$550	More details
Portfolio Facility	3.74% Fixed - 1 year	$0	Portfolio Facility	5.92%	$550	More details
Portfolio Facility	3.84% Fixed - 1 year	$0	Portfolio Facility	5.93%	$550	More details
Flexiplus Mortgage Cashback Receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus	5.71% Variable	$0	Flexiplus Mortgage	6.09%	$395	More details
Flexiplus Mortgage	5.86% Variable	$600	Flexiplus Mortgage	6.14%	$250	More details
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Data last updated on 20 Feb 2020

Read our important disclosures and general advice warning

Pros

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

Cons

Some loans have fees.
Less competitive interest rates.

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

NAB provides potential customers with multiple ways of applying 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 it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

Personal identification material.
Proof of income – whether you are self-employed or work for an employer.
Proof of other income, including rental.
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:

First home buyers
Upgraders
Investors
Renovators
Refinancers

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

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

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

While some home loans waive their monthly and ongoing fees, NAB home loan fees that are not waived tend to range from moderately high to high. In general, NAB home loans charge an application fee and annual service fee.

Similar to the other big four banks, NAB doesn’t attempt to offer the lowest rates on the market. Rather, it attracts customers with its well-known brand, extensive branch network, and convenience.

NAB home loan rates vary from product to product, but they tend to be on the high side of the spectrum. As a general rule, NAB products for owner-occupiers have lower interest rates than products for investors, and borrowers who choose principal-and-interest loans get lower interest rates than those who choose interest-only mortgages. For variable mortgages, interest rates tend to start lower for loan amounts that are higher.

NAB also offers home loan rates for variable and fixed mortgages. Rates can be fixed for a term between one and five years, with higher fixed interest rates generally applying to loans with longer terms.

NAB home loans review

Because of its well-known name, NAB is regarded as a ‘safe’ home loan option by many borrowers. It’s worth remembering that there are always risks involved whenever you apply for any type of credit.

NAB provides home loans for almost every type of borrower in Australia. There are NAB home loans suited to first-time buyers, renovators, refinancers, and investors. Customers who already have a current home loan have the option of moving their mortgage to NAB.

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

In terms of interest rates, NAB tends to be at the more expensive end of the market. NAB home loan rates tend to be moderately high or high.

NAB home loan fees also tend to be high. Although many of NAB’s mortgages will waive ongoing fees, other products charge an application fee and ongoing annual fees that are at the higher end of the market.

Today's Top Home Loan Products

Rate Chaser Ezy Prime (New Customer)

Real Time Rating™

4.63 / 5

Advertised Rate

Comparison Rate*

2.89%

Variable

2.94%

No ongoing fees
100% full offset account
Parents can sign as guarantor
Extra repayments + redraw services

Enquire Now

New Smart Home Loan

Real Time Rating™

4.36 / 5

Advertised Rate

Comparison Rate*

2.78%

Variable

2.80%

special

Get one of the lowest variable interest rates on the market and pay no application or ongoing fees

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Advantage Home Loan (LVR < 90%) (PAYG - Essentials)

Real Time Rating™

4.37 / 5

Advertised Rate

Comparison Rate*

3.04%

Variable

3.21%

100% full offset account
Extra repayments + redraw services
Free redraw facility
Repayments may decrease if RBA cuts rates

View Now

Activate Prime Full Doc Home Loan (LVR 75%-80%)

Real Time Rating™

4.48 / 5

Advertised Rate

Comparison Rate*

3.09%

Variable

3.12%

No ongoing fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

Enquire Now

View All >

FAQs

View All >

Yes, ANZ, Commonwealth Bank, NAB and Westpac all offer guarantor home loans. These mortgages are also offered by many other banks, credit unions and building societies.

Details

NAB mortgage repayment calculator

Discount Variable Home Loan

NAB home loan repayment calculator

NAB home loans rates

NAB customer service

How to Apply

About NAB home loans