6.29 % p.a.
Home loans | Find home loan options and calculators - NAB
I want to...
Refinance to NAB
Switch for competitive rates.
Buy my first home
Get ready for home ownership.
Invest in property
Grow your investment portfolio.
Offer
Looking for a deal worth switching for?
Talk to us about our competitive rates.
Variable rate from
Comparison rate from
6.42 % p.a.
Rate depends on your circumstances. See how we calculate your rate
A rate range applies. For new principal & interest owner occupier loans with a maximum loan-to-value ratio of 70%, $750k+ loan. Not for company or trust borrowers. Credit worthiness impacts your rate.
To find out your rate, talk to an expert.
Explore home loan options
Live in
Tailored variable rate with offset
Save on interest with offset accounts
Interest rate from
6.29 % p.a.
Comparison rate from
6.42 % p.a.
Rate depends on your circumstances. See how we calculate your rate
A rate range applies. For new principal & interest owner occupier loans with a maximum loan-to-value ratio of 70%, $750k+ loan. Not for company or trust borrowers. Credit worthiness impacts your rate.
Best for
Fees
- $12 monthly service fee
- $0 application fee
Tailored fixed rate
Lock in your rate.
2 year fixed term interest rate
6.81 % p.a.
2 year fixed term comparison rate
7.12 % p.a.
For new principal & interest owner occupier loans with a maximum loan-to-value ratio of 70%. Not available to company or trust borrowers.
Best for
Fees
- $12 monthly service fee
- $0 application fee
For more information on comparison rates and the fees and charges that may apply, refer to our important information section.
Invest
Tailored variable rate with offset
Save on interest with offset accounts.
Interest rate from
6.45 % p.a.
Comparison rate from
6.58 % p.a.
Rate depends on your circumstances. See how we calculate your rate
A rate range applies. For new principal & interest investor loans with a maximum loan-to-value ratio of 70%, $750k+ loan. Not for company or trust borrowers. Credit worthiness impacts your rate.
Best for
Fees
- $12 monthly service fee
- $0 application fee
Tailored fixed rate
Lock in your rate.
2 year fixed term interest rate
6.89 % p.a.
2 year fixed term comparison rate
7.37 % p.a.
For new principal & interest investor loans with a maximum loan-to-value ratio of 70%. Not available to company or trust borrowers.
Best for
Fees
- $12 monthly service fee
- $0 application fee
For more information on comparison rates and the fees and charges that may apply, refer to our important information section.
How we calculate your rate
The rate range shown for the Tailored variable rate with offset home loan is an estimate only and is based on a loan amount of $750,000 or more. The rate we offer you is in a range that will depend on your individual circumstances, including (but not limited to) your banking history with NAB, information provided in your application, loan amount, your credit risk and your credit history. This rate could change and may be different on the day of settlement.
Need help comparing your options?
Our rates are tailored to your circumstances. Chat with us to find the right home loan and rate for you.
Why customers choose NAB
Pay less interest
Link up to 10 offset accounts to reduce the interest you pay on your eligible variable rate home loan.
Fast approvals
Your application goes directly to a home loan expert, meaning fewer steps and faster decisions.
Flexible repayments
Choose between weekly, fortnightly, or monthly repayments for principal and interest loans.
Home buying made easy
Step 1
Plan your finances
Check your borrowing power to see how much you can afford – then plan your deposit and estimate repayments.
Step 2
Get a pre-approval
A pre-approval will give you a clear picture of what you can afford, so you can house-hunt with confidence.
Step 3
Find your property
Do your research with our market reports. Once you find your property, make an offer and apply for your loan.
Keep more of your money working for you
Use up to 10 offset accounts on eligible home loans to cut interest, pay your loan down faster, without putting your life on hold. Set up and manage your offsets in the NAB app anytime.
Looking for something else
Government support
See which first home buyer grants and schemes you may be eligible for.
Renovate your home
Discover possibilities for your home renovations.
Unlocking your home equity
Learn what equity is and how you can use it for a new investment property purchase.
Get in touch
Message us
Chat with us in your NAB app or Internet Banking.
Give us a call
Mon-Fri, 8:00am-7:00pm
Sat-Sun, 9:00am-6:00pm (Sydney time)
Book a time to talk
Choose a time that works for you.
Terms and Conditions
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NAB Internet Banking and NAB app
Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android and iOS, minimum platform requirements apply. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are registered trademarks of Google LLC. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.
Other important information
Information and rates are correct as at 2 November 2026 and are subject to change. The interest rates shown on this page are available on new home loans. Applications for credit are subject to NAB’s credit approval criteria. Terms and Conditions apply to all NAB products and are available on application. Fees and charges are payable.
Personal Banking Fees - a guide to fees and charges (PDF, 146KB)
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