Follow these simple steps

Make sure you’ve downloaded the NAB app, then follow the simple instructions to link or modify your home loan offset account.

  • 1

    Step 1

    Log into the NAB app and select your home loan account.

  • 2

    Step 2

    Tap the Manage button.

  • 3

    Step 3

    Tap on link an offset account, or if you already have an offset account linked, tap on change my offset account.

  • 4

    Step 4

    Select the account you’d like to link and tap Apply.

  • Complete

    Your changes will be confirmed.

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Important Information

NAB customers with an eligible variable rate NAB Tailored Home Loan or NAB Choice Package Home Loan. NAB does not offer interest offset arrangements for fixed rate home loans. If you already hold an offset account with your variable loan, it will no longer be available under a fixed home loan arrangement. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.

NAB Choice Package eligibility

Important: The NAB Choice Package Home Loan is no longer available for sale from 23 February 2023 for broker customers, from 17 March 2023 for retail (direct to bank) customers and from 18 August 2023 for customers with a Business or Private Wealth relationship with NAB, unless they have a current NAB Choice Package which is established before the respective off-sale date (and which remains ongoing).

This product is issued by National Australia Bank Limited. NAB recommends you consider the internet banking terms and conditions document before making any decisions regarding this product.

The NAB Mobile Banking app is compatible with Android and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. The Google Logo is a registered trademark of Google Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

Calculations are based on an example interest rate and are estimates only. The estimated repayments do not include the monthly loan service fee and the application fee, which are also payable.  The estimated repayment reduction is based on the repayment and frequency you input from your current lender/s compared to the calculated repayments and frequency on a NAB Personal Loan. The calculator does not provide estimated interest savings. This means depending on your interest rates and loan terms (current lenders vs NAB) consolidating your debt may mean your repayments are lower but over a longer term so you may incur more interest. You should factor this in when deciding whether debt consolidation is right for you.

The interest rate you get may be different from the example rate. It’s based on several factors including information you provide in your application, your credit history and information we already have about you if you’re an existing customer.

After you submit your application, if you’re conditionally approved, we’ll give you an indicative interest rate. This is subject to verification of the information you give us in your application. We’ll provide your final interest rate in the loan documentation, at which point you can decide to accept the loan offer.

- Minimum interest rate for a variable rate loan is 6.99% p.a. (7.91% p.a. comparison rate) and the maximum interest rate is 20.49% p.a. (21.33% p.a. comparison rate)

- Minimum interest rate for a fixed rate loan is 6.99% p.a. (7.91% p.a. comparison rate) and the maximum interest rate is 20.49% p.a. (21.33% p.a. comparison rate)

The above rates are subject to change.