3.99 % p.a.
Offer
2 year fixed rate home loan
Offer
For owner occupiers with a NAB Choice Package home loan making principal and interest repayments.
2 year fixed rate
Comparison rate
4.54 % 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
Calculators and tools
Use our tools and calculators to show you 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.
Fixed home loan interest rates
Interest rates for the NAB Choice Package.
Owner occupier
| Principal and Interest | Interest rate |
Comparison rate |
|---|---|---|
1 year |
Interest rate 2.99% |
Comparison rate 4.46% |
2 years |
Interest rate 3.99% |
Comparison rate 4.54% |
3 years |
Interest rate 4.49% |
Comparison rate 4.65% |
4 years |
Interest rate 4.79% |
Comparison rate 4.78% |
5 years |
Interest rate 4.99% |
Comparison rate 4.91% |
Residential investor
| Principal and Interest | Interest rate |
Comparison rate |
|---|---|---|
1 year |
Interest rate 3.19% |
Comparison rate 5.01% |
2 years |
Interest rate 4.19% |
Comparison rate 5.05% |
3 years |
Interest rate 4.79% |
Comparison rate 5.16% |
4 years |
Interest rate 5.09% |
Comparison rate 5.27% |
5 years |
Interest rate 5.29% |
Comparison rate 5.38% |
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
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 22 April 2022 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