Find information about your fixed rate expiry

Approximately one month before your fixed rate period expires, we’ll send you a reminder letter where you can find your new interest rate.

You may also receive an SMS notification.

You can view and download your reminder letter online using NAB Internet Banking.

You can view the expiry date of your fixed rate home loan at any time via the NAB app.

Review your options

We’ll send you written notice with details of your home loan before your fixed rate period ends.

You can choose one of these options before your fixed rate expires.

Roll onto our NAB variable rate

  • When your fixed rate period ends, your home loan will automatically roll onto a variable rate, unless you arrange to re-fix your loan before your fixed rate expires.
  • Your actual variable interest rate will depend on certain factors, such as whether you live in the property or hold it as an investment property.
  • Once your home loan has rolled onto a variable rate, you could be eligible for an offset account.
  • If you’ve made extra repayments during your fixed rate period, you may be able to access available redraw funds once your home loan has rolled onto a variable rate.

Select another fixed rate period

  • You may be able to use the NAB app to select another fixed rate period and get peace of mind knowing your minimum repayments won’t change over the fixed period.
  • If you end your fixed period early you may need to pay economic costs.

Split your home loan

  • Split your home loan to get the best of both worlds with part of your home loan fixed and the other part variable.
  • If you split your home loan, you can combine the repayment certainty of a fixed rate and still have flexible features available on your eligible variable rate loan like an offset account.

When your interest rate and repayments will change

Your interest rate will most likely change once your fixed rate period expires, so make sure to check your new variable rate and allow yourself enough time to plan ahead.

Use our home loan repayment calculator to understand how your repayments may change and budget for when your fixed rate period expires.

Do you think you may miss a repayment?

We understand that your financial situation can change. If you’re having trouble making your home loan payments, we want to work with you to help find a solution.

Don’t have the NAB app?

Download the app today for a more convenient banking experience.

Other recommended guides

Need help to complete another task? Explore other help guides you might be interested in.

Contact us for home loan related queries

This is how you can get in touch.

Start a conversation with a banker

  1. Log into either NAB Internet Banking or the NAB app.
  2. Tap on the message icon.
  3. Type ‘speak to a person’ in the conversation window.

Call us

Speak to a home loan expert about a new or existing home loan.

Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)

13 78 79

Book an appointment

Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back.

Terms and Conditions

These products are issued by National Australia Bank Limited.

NAB recommends you consider the NAB 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.

The information contained on this webpage is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial and taxation advice before acting on any information on this webpage.

Other important information

NAB’s Home loan products are not available to applicants who reside overseas (regardless of citizenship) and/or for applicants who require Foreign Investment Review Board (FIRB) approval to purchase residential property in Australia.

NAB’s Fixed Rate Home Loan products do not come with an interest offset facility.

Information is correct as at 19 April 2024 and is subject to change.

Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products (available on request). NAB’s home loan products are issued by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).

Personal Banking Fees - a guide to fees and charges (PDF, 177KB), opens in new window

Interest rates for home lending