2 year fixed rate

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

For more information on comparison rates1 and the fees and charges that can apply please refer to our Important Information below.

  • 1.89 %p.a.

    2 year fixed rate

  • 3.97 %p.a.

    Comparison rate1

  • $395

    Annual Choice Package fee

  • $0.00

    application fee

Ready to get started?

Apply online for conditional approval. It can take around 20 minutes.

Features and benefits

Certainty of repayments

Certainty of repayments

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

NAB Choice Package

NAB Choice Package

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

Flexible repayment frequencies

Flexible repayment frequencies

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

Split your loan

Split your loan

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

Pay off your loan sooner

Pay off your loan sooner

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

Control from your pocket

Control from your pocket

Track your home loan progress, estimate your property equity and more from within the NAB App.


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 July 2021, unless extended.

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

Enquire now

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Fixed home loan interest rates

Choice Package - Principal & Interest
NAB Choice Package – Principal & Interest Interest rate Comparison rate1
1 year Interest rate 2.09% p.a. Comparison rate1 4.16% p.a.
2 year Interest rate 1.89% p.a. Comparison rate1 3.97% p.a.
3 year Interest rate 1.98% p.a. Comparison rate1 3.83% p.a.
4 year Interest rate 2.19% p.a. Comparison rate1 3.76% p.a.
5 year Interest rate 2.49% p.a. Comparison rate1 3.76% p.a.

Comparison rate warning1

Compare rates for all home loan products

Other options to consider

couple with baby

Variable with Offset

Get a discounted variable rate and a 100% offset account when you get the NAB Choice Package.
small baby playing

Basic Variable

Pay no ongoing monthly fees with our simple, low-rate home loan.

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