Changing your home loan
If you want to use your home loan in a new way, it could be time for a change. Or you might want to rebalance the certainty and flexibility that you get from your home loan.
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Changing your interest rate or loan features
If you've got a variable rate loan, you might prefer the budgeting certainty of a fixed rate. Or if you have a fixed rate loan, you might want the flexibility and features of a variable interest rate, like redraw and repayment holidays. Economic cost may apply if you want to switch from a fixed rate to a variable rate loan during your fixed rate period.
To change your variable rate loan to a fixed rate loan, or to fix part of your loan you can request this online anytime.
For other changes, contact your banker or call us on 13 13 12 from 7am-9pm Mon-Fri or 8am-9pm on weekends.
Perhaps it's time to combine your banking into a NAB Choice Package. You could enjoy benefits of discounted home loan interest rates and fee waivers on a range of our products.
Splitting loans or interest types
If you want to combine certainty and flexibility, look into a mix of loans. When you split your borrowing into fixed and variable loans, you choose the ratio. Your fixed loan makes budgeting easy while your variable loan offers you redraw, repayment holidays and more repayment flexibility. With NAB Tailored Home Loan - Variable Rate you'll also get 100% Offset which can help save interest.
Managing the end of your fixed rate period
At the end of a fixed-rate term, your loan will switch to our standard variable rate. If you'd rather keep a fixed rate for some or all of your borrowing, you can arrange this by calling NAB on 13 13 12.
Accessing your equity with a line of credit
If you've built up your equity and you want to easily access it for investments or purchases, a line of credit could work for you. Read about the NAB Home Equity Line of Credit or NAB FlexiPlus Mortgage, or go to the NAB switching page.
