2.94 % p.a.
Managing changes to your home loan repayments
Let us show you ways you can prepare for interest rate changes, manage your repayments or get support. Learn how.
Tools and calculators
Calculate how much you can afford to borrow and other useful home loan tools.
Special offers
Check out our featured interest rates and special offers.
Enjoy a $2000 refinance bonus
Make your move a little easier with a $2000 cash bonus when you refinance your existing home loan to NAB.
An eligible NAB transaction account is required at the time of drawdown. The cash bonus is available on new refinances of $250,000 or more and drawdown must occur from 7 September 2020 until the time the offer is withdrawn.
See important information including eligibility and lending criteria and terms and conditions below.
Home loan offers
Whether you’re a first home buyer searching for your first home or an investor looking to build your property portfolio, NAB has a wide range of special offers and discounts to suit your needs.
Compare our home loans
Not sure what type of home loan is right for you? Here’s a snapshot of our different home loans to help you make a decision.
Rates are calculated as an owner occupier, paying principal and interest on a $500,000 loan over a 30 year term with a deposit of 20%. See the comparison rate warning below.
Take advantage of our simple, low rate home loan
with no ongoing fees.
Variable rate
Comparison rate
2.98 % p.a.
Features and benefits
| Monthly fee | $0 |
|---|---|
| Application fee | $0 |
| Annual Choice Package fee | $0 |
Enjoy extra flexibility, features and discounts when bundled with a NAB Choice Package.
Variable rate
4.42 % p.a.
Comparison rate
4.81 % p.a.
Features and benefits
| Monthly fee | $0 |
|---|---|
| Application fee | $0 |
| Annual Choice Package fee | $395 |
Gain additional certainty and discounts when bundled with a NAB Choice Package.
Fixed rate
4.59 % p.a.
Comparison rate
5.04 % p.a.
Features and benefits
| Monthly fee | $0 |
|---|---|
| Application fee | $0 |
| Annual Choice Package fee | $395 |
Other options to consider
Learn more about government schemes and subsidised home loan initiatives that could help you buy a home sooner. Alternatively, if you have or are intending to borrow more than $850,000, learn how you might benefit from becoming a premier customer.
Apply online
Start your home buying journey
Apply online
Our step-by-step guide to getting started with your home loan application.
Step 1. Book an appointment
Book a time with a NAB home loan expert who can guide you through the application process and answer any questions you may have.
Step 2. Find your property
Now you can bid with confidence. Your conditional approval is valid for 90 days and can be renewed if you need more time.
Step 3. Get ready to move in
Tailor the details of your home loan with a banker and finalise your application.
Help and support
Get the most out of your NAB home loan and discover popular help and support tasks.
Tips Home buying guides
Buying your first home
There's a lot to consider, so here are some tips and tools to get you sorted.
Contact us
Book an appointment
Request a call back or book an appointment in branch or with a mobile banker who can come to you.
Call us
Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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Other important information about this offer
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 Refinance Cash Bonus offer and customers can benefit from multiple NAB offers (subject to the eligibility criteria and terms and conditions of those other offers).
A variation of 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 for the purposes of the Cash Bonus.
Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products (available on request).
NAB may vary or withdraw this Cash Bonus offer at any time without notice.
Correct as at 6 July 2021