Compare NAB home loan rates

Find the home loan to best suit your needs. Compare reviews, interest rates, fees and features with Ratecity to make sure you get the right loan.

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 loans

Base Variable Home Loan (Principal and Interest)SpecialLimited time discount of 0.48% p.a. off the Base Variable Rate Home Loan (Principal and Interest).
Advertised rate
3.69%
Variable
Upfront fee
$600.00
Comparison rate*
3.73%
Ongoing fee
$0
Compare
Defence Force Home Loan - Offset excluded
Advertised rate
4.24%
Variable
Upfront fee
$0
Comparison rate*
4.33%
Ongoing fee
$8 monthly
Compare
Defence Force Fixed Home Loan 3 Years
Advertised rate
3.94%
Fixed - 3 years
Upfront fee
$0
Comparison rate*
4.40%
Ongoing fee
$8 monthly
Compare
Defence Force Fixed Home Loan 2 Years
Advertised rate
3.88%
Fixed - 2 years
Upfront fee
$0
Comparison rate*
4.43%
Ongoing fee
$8 monthly
Compare
Defence Force Fixed Home Loan 1 Year
Advertised rate
3.89%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
4.48%
Ongoing fee
$8 monthly
Compare
Defence Force Home Loan - Offset included
Advertised rate
4.44%
Variable
Upfront fee
$0
Comparison rate*
4.53%
Ongoing fee
$8 monthly
Compare
Choice Package Defence Force Fixed Home Loan 3 Years
Advertised rate
3.94%
Fixed - 3 years
Upfront fee
$0
Comparison rate*
4.70%
Ongoing fee
$395 annually
Compare
Choice Package Defence Force Fixed Home Loan 2 Years
Advertised rate
3.88%
Fixed - 2 years
Upfront fee
$0
Comparison rate*
4.73%
Ongoing fee
$395 annually
Compare
Choice Package Defence Force Home Loan ($750k+)
Advertised rate
4.34%
Variable
Upfront fee
$0
Comparison rate*
4.74%
Ongoing fee
$395 annually
Compare
Choice Package Defence Force Fixed Home Loan 1 Year
Advertised rate
3.89%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
4.78%
Ongoing fee
$395 annually
Compare
Choice Package Defence Force Home Loan (Amounts $250k-$750k)
Advertised rate
4.39%
Variable
Upfront fee
$0
Comparison rate*
4.78%
Ongoing fee
$395 annually
Compare
Choice Package Tailored Home Loan (Principal and Interest) ($250k-$750k)
Advertised rate
4.39%
Variable
Upfront fee
$0
Comparison rate*
4.78%
Ongoing fee
$395 annually
Compare
Choice Package Tailored Home Loan Fixed (Principal and Interest) 5 Years
Advertised rate
4.09%
Fixed - 5 years
Upfront fee
$0
Comparison rate*
4.80%
Ongoing fee
$395 annually
Compare
Choice Package Defence Force Home Loan (Amounts $150k-$250k)
Advertised rate
4.44%
Variable
Upfront fee
$0
Comparison rate*
4.83%
Ongoing fee
$395 annually
Compare
Choice Package Tailored Home Loan Fixed (Principal and Interest) 3 Years
Advertised rate
3.94%
Fixed - 3 years
Upfront fee
$0
Comparison rate*
4.84%
Ongoing fee
$395 annually
Compare
Choice Package Tailored Home Loan Fixed (Principal and Interest) (First Home Buyer Special) 2 YearsSpecialDiscount off the 2 years Package Fixed Rate (Principal and Interest) for a loan of $150k+ for first home buyers purchasing residential properties only
Advertised rate
3.69%
Fixed - 2 years
Upfront fee
$0
Comparison rate*
4.86%
Ongoing fee
$395 annually
Compare
Choice Package Tailored Home Loan Fixed (Principal and Interest) 2 Years
Advertised rate
3.88%
Fixed - 2 years
Upfront fee
$0
Comparison rate*
4.89%
Ongoing fee
$395 annually
Compare
Tailored Home Loan Fixed (Principal and Interest) 5 Years
Advertised rate
4.19%
Fixed - 5 years
Upfront fee
$600.00
Comparison rate*
4.93%
Ongoing fee
$8 monthly
Compare
Choice Package Tailored Home Loan Fixed (Principal and Interest) 1 Year
Advertised rate
3.89%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
4.96%
Ongoing fee
$395 annually
Compare
Tailored Home Loan Fixed (Principal and Interest) 3 Years
Advertised rate
4.04%
Fixed - 3 years
Upfront fee
$600.00
Comparison rate*
5.05%
Ongoing fee
$8 monthly
Compare
Tailored Home Loan Fixed (Principal and Interest) 2 Years
Advertised rate
3.98%
Fixed - 2 years
Upfront fee
$600.00
Comparison rate*
5.13%
Ongoing fee
$8 monthly
Compare
Tailored Home Loan Fixed (Principal and Interest) 1 Year
Advertised rate
3.99%
Fixed - 1 year
Upfront fee
$600.00
Comparison rate*
5.25%
Ongoing fee
$8 monthly
Compare
Choice Package Tailored Investment Loan Fixed (Principal and Interest) 3 Years
Advertised rate
4.09%
Fixed - 3 years
Upfront fee
$0
Comparison rate*
5.28%
Ongoing fee
$395 annually
Compare
Choice Package Tailored Investment Loan Fixed (Principal and Interest) 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$0
Comparison rate*
5.37%
Ongoing fee
$395 annually
Compare
Tailored Investment Loan Fixed (Principal and Interest) 3 Years
Advertised rate
4.19%
Fixed - 3 years
Upfront fee
$600.00
Comparison rate*
5.49%
Ongoing fee
$8 monthly
Compare
Choice Package Tailored Investment Loan Fixed (Principal and Interest) 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
5.49%
Ongoing fee
$395 annually
Compare
Tailored Investment Loan Fixed (Principal and Interest) 2 Years
Advertised rate
4.19%
Fixed - 2 years
Upfront fee
$600.00
Comparison rate*
5.62%
Ongoing fee
$8 monthly
Compare
Tailored Investment Loan Fixed (Principal and Interest) 1 Year
Advertised rate
4.39%
Fixed - 1 year
Upfront fee
$600.00
Comparison rate*
5.79%
Ongoing fee
$8 monthly
Compare
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.
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