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A lot happens on the way to owning your own home. That’s why our home loans can give you the flexibility you need. So when jobs change, families grow or one of life’s little hurdles appear, your home ownership story keeps moving forward.

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Reducing your home loan repayments

Enjoy a little breathing space. If you’re paying off your home loan quicker than planned and are ahead in your repayments you can choose to have them adjusted.1

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2.84% p.a. BASE VARIABLE RATE OFFER2

Enjoy a special rate of 2.84% p.a. (comparison rate 2.84% p.a.~) on a NAB Base Variable Rate Home Loan when you are an owner occupier making principal and interest repayments with less than or equal to 80% total NAB Lending to Value ratio (LVR).

For customers where LVR is higher than 80%, the special rate is 3.04% p.a. (comparison rate 3.04% p.a.~)

2 See important information including the comparison rate warning below.

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No time to visit? we’ll come to you

Our NAB Mobile Bankers can visit you when and where it suits you best. They can speak your language and are ready to help at any stage of the application process.

Book an appointment

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We’re checking in with you

A NAB Check In keeps you up to date by providing relevant insights and ensures you get the most out of your home loan.3

Request a Check In

Need more flexibility?

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Switch from variable to fixed

Lock in a low rate and know exactly how much your repayments will be.

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Experiencing a bump in the road?

Speak to NAB Assist about possible repayment breathers.

Find out more

Important information

1 Reducing your Home Loan Repayments
By requesting a repayment review, you can reduce your contracted repayments to the minimum amount required to pay out your loan within the loan term. We’ll look over your NAB home loan to check that you’re currently paying more than the minimum repayment. And if you are, we can process your request by reducing the contracted repayments on your NAB home loan to the minimum amount. If you’d also like to update your direct debit instructions to match, just let us know. (Keep in mind, if you reduce your repayments but leave your direct debit the same, you’ll be paying ahead on your home loan – and you might be able to access those extra funds with a redraw). If there’s more than one borrower on your NAB home loan, we’ll rely on your instructions to make the change. Once it’s all processed, we’ll send you (and any other borrowers on your loan) a letter within 14 working days to confirm the change. If your request cannot be processed, a NAB banker will call you to discuss options.

2 Base Variable Rate Discount Offer Terms and Conditions

This Base Variable Rate Discount Offer ("Offer") replaces the previous Base Variable Rate discount offer dated 7 March 2019. Under the Offer, eligible residential investor customers may benefit from a discount.

For owner occupier borrowers making principal and interest repayments, the discount off the advertised Base Variable Rate for Home Loans indicator rate is:

  • 1.44% p.a. where Loan to Value Ratio (LVR) ≤80%
  • 1.24% p.a. where Loan to Value Ratio (LVR) >80%

For residential investor borrowers making principal and interest repayments, the discount off the advertised Base Variable Rate for Residential Investment Home Loans indicator rate is:

  • 1.66% p.a. where Loan to Value Ratio (LVR) ≤80%
  • 1.46% p.a. where Loan to Value Ratio (LVR) >80%

For residential investor borrowers making interest only repayments, the discount off the advertised Base Variable Rate for Interest Only Residential Investment Home Loans indicator rate is:

  • 1.36% p.a. where Loan to Value Ratio (LVR) ≤80%

For the purpose of the Offer, LVR or Loan to Value Ratio means the value of the customer’s total NAB home lending divided by the total value of secured property.

The Offer is available from 16 August 2019 until withdrawn by NAB. NAB may vary or end this offer at any time without notice. To be eligible for the Offer, an application must be submitted during the period that the offer is available and then approved, and drawn down within the time period set out in the applicant’s loan offer.

The Offer is available on a new Base Variable Rate Home Loan of $20,000 or more.

The Offer is available for new lending only. The Offer is not available for any variation or change of loan purpose of any existing NAB home loan where a new application is not required, except existing NAB borrowers who apply for an increase in their NAB Base Variable Home Loan of $20,000 or more.

The Offer will permanently cease to apply to any otherwise eligible NAB Base Variable Rate Home Loan on the earlier of:

  • any change to loan purpose or repayment type; or
  • loan ceases to be a NAB Base Variable Rate Home Loan

The Offer is not available in conjunction with any other discount offer that may apply to NAB Home Loans from time to time. Not available to company and trust account holders.

3 NAB Home Loan Check In
NAB Home Loan Check In is available to NAB home loan customers who have registered or subscribed to receive marketing communications from NAB. NAB will never request personal information such as your PIN/password or ask you to login to online services directly from an email. For further security advice visit nab.com.au/security. To stop receiving electronic messages from NAB visit nab.com.au/unsubscribe.

Terms, conditions, fees, charges, eligibility criteria and lending criteria apply (available on request). ©2019 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.