Offer
2 year fixed rate home loan

For owner occupiers with a NAB Choice Package home loan making principal and interest repayments.

2 year fixed rate

1.99 % p.a.

Comparison rate

3.98 % p.a.

Application fee

$ 0

Annual Choice Package fee

$ 395

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.

Certainty of repayments

Lock in a great rate and know that your minimum repayments won’t change during the fixed term.

Access to great benefits

Get discounts and benefits with your fixed rate home loan through the NAB Choice Package.

Flexible repayment options

Choose when you make your repayments - weekly, fortnightly or monthly.

Split your loan

Get the best of both worlds and split your loan into variable and fixed portions.

Pay your loan off sooner

Make extra repayments up to $20,000 within the fixed rate term without paying any fees.

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

Enjoy a $2K refinance bonus

Make your move a little easier with a $2k 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 between 7 September 2020 and 31 October 2021, unless extended.

See important information including eligibility and lending criteria in the terms and conditions below.

Apply online
Apply online with conditional approval

Our step-by-step guide to getting started online.

Step 1. Apply for approval

Apply online for conditional approval. It can take around 20 minutes and one of our bankers will be in touch with you to follow up.

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. Finalise your home loan

Tailor the details of your home loan with a banker and finalise your application.

Fixed home loan interest rates

Check out our interest rates for owner occupiers and residential investors.

Owner occupier

Principal and Interest

Interest rate

Comparison rate

1 year

Interest rate

2.09%

Comparison rate

4.16%

2 years

Interest rate

1.99%

Comparison rate

3.98%

3 years

Interest rate

2.18%

Comparison rate

3.88%

4 years

Interest rate

2.49%

Comparison rate

3.85%

5 years

Interest rate

2.79%

Comparison rate

3.87%

Residential investor

Principal and Interest

Interest rate

Comparison rate

1 year

Interest rate

2.54%

Comparison rate

4.73%

2 years

Interest rate

2.29%

Comparison rate

4.51%

3 years

Interest rate

2.44%

Comparison rate

4.37%

4 years

Interest rate

2.94%

Comparison rate

4.38%

5 years

Interest rate

2.94%

Comparison rate

4.28%

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)

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

Other important information

NAB’s Home loan products are not available to applicants who reside overseas (regardless of citizenship) and/or for applicants who require Foreign Investment Review Board (FIRB) approval to purchase residential property in Australia.

NAB’s Fixed Rate Home Loan products do not come with an interest offset facility.

NAB does not offer an interest offset arrangements for Fixed Rate Home Loans.

Information and rates are correct as at 30 August 2019 and are subject to change. 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. National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).

Personal Banking Fees - a guide to fees and charges (PDF, 356KB), opens in new window

Interest rates for home lending