Home loan offers

Check out our current home loan offers and special discounts.

First Home Loan Deposit Scheme

We're proudly supporting the Government's First Home Loan Deposit Scheme. A first for first home buyers.

Ready to get started?

Apply online for conditional approval. It takes only 15-20 minutes.

Family breakfast

Enjoy a $4,000 Refinance bonus1

Refinancing your property can be challenging. The chance to receive a $4,000 bonus when you refinance your home loan with NAB could make that move a little easier.

An eligible NAB transaction account required and on new refinances over $250,000 or more.

Drawdown from 1 January 2020 to 30 June 2020 inclusive.

1See Important Information including eligibility and lending criteria and terms and conditions below.

Enquire now

Basic Variable

Pay no ongoing monthly fees with our simple, low-rate home loan.

Variable with Offset

A home loan with a discounted variable rate and a 100% offset account.

Fixed Rate

Lock in your interest rate and enjoy the certainty of fixed repayments.

Your next property move

Buy your first home

Excited to buy your first home? We've put together some tips and practical advice on where to get started.

Renovate your home

Upgrading your home with a renovation or extension can help build equity or meet life's changing needs.

Invest in property

Find out how property investment can help you get your first step on the property ladder or help you build wealth.

Important information

1 $4,000 NAB Home Loan Refinance Cash Bonus

To be eligible for the NAB Home Loan Cash Bonus:

  • between 1 January 2020 and 30 June 2020, customers need to either:
  • drawdown a new NAB home loan by $250,000 or more, or increase the limit of an existing NAB
  • home loan (and draw it down) by $250,000 or more (New Lending Cash Bonus), or
  • refinance an existing home loan to NAB of $250,000 or more (Refinance Cash Bonus), and the primary (first named) home loan applicant must hold a NAB personal transaction account at the time the Cash Bonus is to be paid.

Eligible customers will receive $2,000 with the New Lending Cash Bonus and $4,000 with the Refinance Cash Bonus.

The New Lending Cash Bonus and the Refinance Cash Bonus are collectively referred to as the “Cash Bonus”.

We’ve set out the full eligibility criteria for the Cash Bonus offer below.

1. NAB Home Loan

  • Drawdown for the New Lending Cash Bonus must occur or the home loan refinance to NAB for the Refinance Cash Bonus must be settled (as the case may be) between 1 January 2020 and 30 June 2020 inclusive (“Offer Period”).
  • The Cash Bonus is only available to new and existing NAB customers who drawdown new or additional lending of $250,000 or more, or refinance an existing home loan from another financial institution of $250,000 or more into an eligible NAB Home Loan product.
  • The Cash Bonus is available on all NAB Home Loan products excluding lines of credit, the NAB Portfolio Facility, the NAB Private Portfolio Facility, and loans for building and construction purposes.
  • The Cash Bonus is not available for refinances of existing NAB, uBank, Medfin or Advantedge home loans.
  • The Cash Bonus is not available for new lending or refinances into uBank, Medfin or Advantedge home loans.
  • The Cash Bonus is only available to borrowers who are individuals, and covers both owner occupiers and residential investors.
  • Businesses, trusts, non-resident borrowers and other non-natural persons are ineligible for the Cash Bonus.
  • The Cash Bonus is not available for home loans where the guarantor (if any) is not an individual.
  • The New Lending Cash Bonus and the Refinance Cash Bonus are both limited to one Cash Bonus per customer. This means a customer can receive at most $6,000 under the Cash Bonus offer.
  • Eligible customers can receive a maximum of one Cash Bonus under the Cash Bonus offer per secured property.

For example, an eligible customer can receive at most:

  • One payment of $2,000 under the New Lending Cash Bonus in respect of a secured property and one payment of $4,000 under the Refinance Cash Bonus in respect of a separate secured property; and
  • The customer will not be eligible for further Cash Bonuses in respect of further NAB home loans entered into (or refinanced to NAB) during the Offer Period.
  • Where there is a split home loan in respect of a secured property, eligible customers can receive a maximum of one Cash Bonus under the Cash Bonus offer in respect of that home loan.
  • Where there is a joint home loan application, only the primary home loan applicant will receive the Cash Bonus under the Cash Bonus (if eligible).
  • In the case of joint applicants, if one joint applicant has received a Cash Bonus under either the New Lending Cash Bonus or the Refinance Cash Bonus in the Offer Period for a different loan, then both joint applicants will be ineligible to receive a further Cash Bonus under the New Lending Cash Bonus or the Refinance Cash Bonus (as applicable).

2. NAB Personal Transaction Account

  • At the time of drawdown for the New Lending Cash Bonus or settlement of the refinanced home loan under the Refinance Cash Bonus, the primary (first named) home loan applicant must hold a NAB personal transaction account and continue holding it for at least the next 90 days.
  • The NAB personal transaction account must be open at the time the NAB Home Loan Cash Bonus is to be credited to the account.
  • The NAB Home Loan Cash Bonus will be credited to the NAB personal transaction account of the eligible applicant within 90 days of drawdown of the home loan or settlement of the refinanced home loan (as the case may be).
  • Where there are joint applicants, the bonus will be deposited into the account of the primary (first named) applicant.

Other Important Information

  • Any other product offers from NAB (including the Base Variable Rate Application Fee Waiver or Credit Card offers that are made by NAB from time to time) are independent from this NAB Home Loan Cash Bonus and customers can benefit from multiple NAB offers (if they meet the applicable eligibility criteria) unless the Terms & Conditions of the applicable offer expressly state otherwise.
  • A change to an existing NAB Home Loan with no new lending over $250,000 which results in a new account number does not qualify as an eligible refinance.
  • Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products (available on request).

Correct as at 22 November 2019.

NAB may vary this offer (including extending the Offer Period) or end this offer at any time without notice.

Let's talk

We're ready to help you

Talk to an expert
Call 13 78 79

Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)