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on new refinances of $250,000 or more and drawdown must occur from 7 September 2020 until the time the offer is withdrawn.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

3.44 % p.a.

Comparison rate

3.48 % p.a.

Features and benefits

  • Low variable rate and no ongoing fees

  • Make unlimited additional repayments

  • Access to unlimited redraws if you’re paid ahead ($500 minimum redraw)

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

4.92 % p.a.

Comparison rate

5.31 % p.a.

Features and benefits

  • Access to an offset account

  • Make unlimited additional repayments

  • Additional discounts and benefits with the NAB Choice Package

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

5.89 % p.a.

Comparison rate

5.69 % p.a.

Features and benefits

  • Repayment certainty during fixed term

  • Pay ahead up to $20k during fixed term

  • Additional discounts and benefits with the NAB Choice Package

Monthly fee $0
Application fee $0
Annual Choice Package fee $395

Other options to consider

Learn more about government's Home Guarantee Scheme 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

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

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)

13 78 79

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Terms and Conditions

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