3.44 % p.a.
The benefits of this home loan
Learn about the benefits of our basic variable home loan.
Save money on fees and interest
Pay off your loan sooner
Easy access to your money
Borrow up to 95%
Flexible repayments
Control from your pocket
Offer
Featured rate
Offer
Enjoy a low rate, no application or ongoing fees with our basic, variable rate home loan.
Variable rate
Comparison rate
3.48 % p.a.
Application fee
$ 0
Monthly fee
$ 0
This special offer is for new owner occupier, principal and interest home loans where the customer takes a NAB Base Variable Rate Home Loan and has a deposit of 20% or more of the property value.
For more information on comparison rates and the fees and charges that can apply please refer to our important information below.
The benefits of this home loan
Make the most of your NAB home loan with these great features and benefits.
Save money on fees and interest
No monthly service fees to add to your home loan costs and our low rates help you save on interest over the life of your loan.
Pay off your loan sooner
No fees for making additional repayments on your home loan, so you can get ahead faster.
Easy access to your money
If you're at least one full repayment ahead, you can redraw $500 or more with no fees. It's simple to redraw using NAB Internet Banking.
Borrow up to 95%
You can borrow up to 95% of the property’s value when you make principal and interest repayments and live in the property.
Flexible repayments
Choose when you make your repayments - weekly, fortnightly or monthly.
Control from your pocket
Stay on top of your home loan through the NAB app. You can track your home loan progress, estimate your property equity and more.
Offer
Calculators and tools
Use our tools and calculators to work out your potential repayments, borrowing power, and more.
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.
Interest rates
Interest rates for the NAB Base Variable Rate Home Loan.
Owner occupier
| Loan type | Interest rate |
Comparison rate |
|---|---|---|
Principal and interest |
Interest rate 4.70% |
Comparison rate 4.74% |
Special offer for new owner occupier loans when making principal and interest repayments LVR ≤80% |
Interest rate 3.44% |
Comparison rate 3.48% |
Special offer for new owner occupier loans when making principal and interest repayments LVR >80% |
Interest rate 4.24% |
Comparison rate 4.28% |
Interest Only |
Interest rate 5.27% |
Comparison rate 4.97% |
Residential investor
| Loan type | Interest rate |
Comparison rate |
|---|---|---|
Principal and interest |
Interest rate 5.22% |
Comparison rate 5.26% |
Special offer for residential investors, principal and interest LVR ≤80% |
Interest rate 4.04% |
Comparison rate 4.08% |
Special offer for residential investors, principal and interest LVR >80% |
Interest rate 4.59% |
Comparison rate 4.63% |
Interest Only |
Interest rate 5.60% |
Comparison rate 5.41% |
Special offer for residential investors, interest only LVR ≤80 |
Interest rate 4.24% |
Comparison rate 4.86% |
Comparison rate warning
Other loan options to consider
Not what you're looking for? Learn about other home loans we have available.
Help and support
We’re here to help. Learn about the support services available to you.
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