Learn more about a
NAB Fixed Rate Choice Package
principal and interest home loan
for owner occupiers.



With a fixed Home Loan from NAB, you’ll enjoy the certainty of a great, fixed rate. And when you bundle your loan using a NAB Choice Package, you’ll get more savings and banking convenience.

Here’s an example of how a NAB Choice Package brings it all together:

  • A fixed rate for owner occupiers of 3.99% p.a. for 4 years (comparison rate 4.81% p.a.) with principal and interest repayments.
  • No application or monthly service fee – an annual fee of $395 applies.
  • Ability to be offered a NAB credit card of your choice.

Compare our other fixed-rate principal and interest options below.

Interested in other types of NAB Home Loans? View our full range of home loan rates and options

NAB Tailored Home Loan Fixed Rates – Choice Package – Principal and Interest Repayment Home Loans for Owner Occupiers

1 year

3.99% p.a.
Interest rate

4.98% p.a.
Comparison rate

2 years

3.75% p.a.
Interest rate

4.87% p.a.
Comparison rate

3 years

3.89% p.a.
Interest rate

4.84% p.a.
Comparison rate

4 years

3.99% p.a.
Interest rate

4.81% p.a.
Comparison rate

5 years

4.59% p.a.
Interest rate

5.02% p.a.
Comparison rate


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More rates and fees information

The above discounts refer to principal and interest loans.

View our current Interest rates for home lending.

See all our Interest rates, fees and charges personal products.

Important Information

The involves taking out an owner occupier, fixed rate and fixed term, principal and interest home loan as part of a NAB Choice Package. NAB Choice Package product terms and conditions apply (available at NAB Choice Package terms and conditions (PDF, 268 KB) and on request). Annual package fee applies. Other fees and charges apply. Excludes any rate discounts. A break fee applies if you repay some or all of your loan early. Economic costs payable if you break your fixed rate period. Any benefits and discounts only apply whilst your loan is part of a NAB Choice Package. Settlement / drawdown must be no more than 90 days from loan approval.

Terms, conditions, fees, charges, lending criteria and eligibility criteria apply for all NAB products (available on request and subject to change). Information on our advertised home loan rates are current and correct as at 25 October 2016 and subject to change at any time without notice.

Rate lock may be available to you on application. A rate lock fee applies, details available at http://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges. Full details of the relevant terms and conditions are available on application.

Comparison rates are based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given and may not include all fees & charges. Different loan amounts, fees and terms might result in a different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Govt charges may apply.

Any advice contained on this site is general only and has been prepared without taking into account your particular objectives, financial situation or needs. Before making a decision regarding the acquisition or disposal of a financial product, you should consider the terms and conditions for the relevant product for full details of terms and conditions, limits, exclusions and eligibility criteria that apply, and consider whether the product is appropriate to your circumstances. Information on this site about home loans is a summary only.

You should consider changes to your financial circumstances that may result in a fixed rate being broken during a fixed rate period. Fixed Rate Economic Costs may be incurred which may be substantial.

To find out more, call into a NAB branch, call 13 13 12 or click here.

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