Find the right home loan for your needs

Find the right home loan for you

When searching for a new home loan it is important that your loan meets your requirements and lifestyle.

In just 1-2 minutes, this tool can help you identify a NAB home loan that might suit your needs by simply answering a few questions.

Your financial information isn't considered until you complete a home loan application. When you apply, one of our specialists will take your financials into account when helping you choose your home loan.

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NAB has a range of home loans to suit your needs.
To start, tell us a little bit about your current circumstances:

 

Choose I'm self employed if you're a sole trader, in a partnership, or if you own your own business when you're applying for a home loan.

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Because you're self employed we have a specific application process including gathering information about your business income.
Are you able to provide your evidence of income from the past two years?

 
 

Choose Yes if you have business figures, business tax returns, and personal tax returns from the past two years. You won't need these right now to continue using this tool.

Choose No if you don't have business figures, business tax returns, and personal tax returns from the past two years. You can still apply for a NAB home loan -you'll need a current Australian Business Number (ABN).

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There are different types of NAB home loans to help you manage your lifestyle.
Please choose the most appropriate statement for you:

 
 
 

Variable rate home loan repayments can change over time as interest rates move up and down. Your repayment options are also less restricted than they would be during a fixed rate period.

Get certainty with a fixed interest rate. Your interest rate doesn't change for an agreed period of time, ranging from 1 - 5 or 10 years.

With a line of credit you have no scheduled principal repayments and you only pay monthly interest on the funds that you've used. With a line of credit you need to manage your borrowing more actively to stay within your credit limit.

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What sort of property are you looking to purchase?

 
 

Select I'm looking for a home to live in if you won't earn income from the property, regardless of who will live there.

Select I'm looking for an investment property to rent out if you'll receive rent from tenants living in your property.

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There are different types of interest rates on NAB home loans that may suit your needs.
Please choose the most appropriate statement for your lifestyle:

 
 
 

A mix of flexibility and control lets you take out two loans on a single property, and combine both fixed rate and variable rate borrowing.

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There are different types of NAB home loans to help you manage your lifestyle.
Please choose the most appropriate statement for you:

 
 
 
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Think about how you would manage your home loan, and decide which statements best describe your situation.

You can select multiple options below:

 
 
 

Or

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Think about how you would manage your home loan, and decide which statements best describe your situation.

You can select multiple options below:

 
 
 

Or

100% Offset uses money in a separate NAB transaction or savings account to reduce home loan interest costs. For example, with $100,000 owing on your home loan, and $15,000 in your linked account, you're only charged interest on $85,000 of your home loan.

Additional repayments are made over and above your scheduled repayments. They reduce your interest charges and help you pay your loan off sooner.

Redraw lets you take funds back out of your home loan account, if you're ahead of your repayment schedule. Conditions apply.

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Think about what you would find beneficial from your line of credit. Select which statement best describes your situation.

 
 
 

You can access your funds by phone, online or ATM.

You can also access your funds in branch or over the phone, online or through ATM with free cheque access.

An all-in-one banking solution that links your transaction accounts, personal, home and investment borrowing in one facility with up to 12 sub accounts. A more complex lending facility.

Progress: 90%
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A NAB home loan can be combined with other products to offer you flexibility and benefits in a package with just one annual package fee.



Do you know? By "packaging" your banking, you can reduce your home loan interest rate whether it be fixed, variable or split. You pay no monthly account fees on a NAB Gold Banking account and on one eligible credit card for each package holder as well. Instead, there's just one annual package fee. We also provide discounts on other financial products and services like insurance, term deposits and margin lending

Progress: 90%
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A NAB home loan can be combined with other products to offer you flexibility and benefits in a package with just one annual package fee.



Do you know? By "packaging" your banking, you can reduce your home loan interest rate whether it be fixed, variable or split. You pay no monthly account fees on a NAB Gold Banking account and on one eligible credit card for each package holder as well. Instead, there's just one annual package fee. We also provide discounts on other financial products and services like insurance, term deposits and margin lending

Progress: 90%
Start over

A NAB home loan can be combined with other products to offer you flexibility and benefits in a package with just one annual package fee.



Do you know? By "packaging" your banking, you can reduce your home loan interest rate whether it be fixed, variable or split. You pay no monthly account fees on a NAB Gold Banking account and on one eligible credit card for each package holder as well. Instead, there's just one annual package fee. We also provide discounts on other financial products and services like insurance, term deposits and margin lending

Progress: 90%
Start over

A NAB home loan can be combined with other products to offer you flexibility and benefits in a package with just one annual package fee.



Do you know? By "packaging" your banking, you can reduce your home loan interest rate whether it be fixed, variable or split. You pay no monthly account fees on a NAB Gold Banking account and on one eligible credit card for each package holder as well. Instead, there's just one annual package fee. We also provide discounts on other financial products and services like insurance, term deposits and margin lending

Progress: 90%
Start over

A NAB home loan can be combined with other products to offer you flexibility and benefits in a package with just one annual package fee.



Do you know? By "packaging" your banking, you can reduce your home loan interest rate whether it be fixed, variable or split. You pay no monthly account fees on a NAB Gold Banking account and on one eligible credit card for each package holder as well. Instead, there's just one annual package fee. We also provide discounts on other financial products and services like insurance, term deposits and margin lending

Progress: 90%
Start over

A NAB home loan can be combined with other products to offer you flexibility and benefits in a package with just one annual package fee.



Do you know? By "packaging" your banking, you can reduce your home loan interest rate whether it be fixed, variable or split. You pay no monthly account fees on a NAB Gold Banking account and on one eligible credit card for each package holder as well. Instead, there's just one annual package fee. We also provide discounts on other financial products and services like insurance, term deposits and margin lending

By "packaging" your banking, you can reduce your home loan interest rate whether it be fixed, variable or split. You pay no monthly account fees on a NAB Gold Banking account and on one eligible credit card for each package holder as well. Instead, there's just one annual package fee. We also provide discounts on other financial products and services like insurance, term deposits and margin lending

Progress: 100%
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Disclaimer : This is only a guide, based on the answers you?ve given, and doesn?t take your personal objectives or financial situation into account. If you apply for a NAB home loan, one of our specialists will take your finances into account when helping you to choose a loan that suits you.