About our fixed rate home loans

Get some certainty with our fixed rate home loans. If you choose a fixed rate mortgage with NAB, you can lock in an interest rate for a set period between one to five years. Lock in a great fixed rate and know that your minimum repayments won’t change during the fixed term.

Offer
3 year fixed rate home loan

This offer is for new Owner occupierAn owner-occupier owns the home they live in which is used as their primary residence. They don’t rent out the home or use it for investment purposes. , principal and interest home loans where the customer takes a 3 year fixed rate NAB Tailored Home Loan and has a deposit of 30% or more of the property value (maximum permitted loan to value ratio of 70%).

3 year fixed rate

5.39 % p.a.

Comparison rate

6.12 % p.a.

Application fee

$ 0

Monthly service fee

$ 8 monthly

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

The benefits of a fixed rate 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.

Flexible repayment options

Choose your own repayment schedule – 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.

Lock in your rate upfront

With Rate Lock, you can enjoy the protection from any interest rate increases for 90 days by paying a Rate Lock fee, while your home loan application is assessed.

NAB Tailored Home Loan – fixed rate fact sheet (PDF, 195KB) , opens in new window

Home loan calculators and tools

Use our tools and calculators to show you your potential repayments, borrowing power, and more.

How much can I borrow?

Get an estimate of how much you can afford to borrow for your home.

Home loan repayment calculator

Compare your loan amount with other factors to estimate your minimum loan repayments.

Property insights , opens in new window

Get information about a suburb or specific property, coupled with estimated property values and sales and rental history.
View all home loan calculators

Apply for a fixed rate home loan

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.

Book an appointment
Learn more about conditional approval

Interest rates for a fixed rate home loan

You can use our fixed rate home loan comparison tool to see which fixed rate mortgage suits your needs. Your interest rates will vary depending on a variety of factors. Choose from the options below to view the rates suitable to your situation.

Understand more about Loan to Value Ratio (LVR) and how it is calculated
Select loan type

Owner occupier

Select repayment type

Principal and interest

NAB Tailored Home Loan - Principal and Interest - Owner Occupier

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.54% p.a. 6.30% p.a.
60.01% - 70% 5.54% p.a. 6.30% p.a.
70.01% - 80% 5.54% p.a. 6.48% p.a.
80.01% or more 5.64% p.a. 6.49% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.44% p.a. 6.21% p.a.
60.01% - 70% 5.44% p.a. 6.21% p.a.
70.01% - 80% 5.44% p.a. 6.37% p.a.
80.01% or more 5.54% p.a. 6.39% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.39% p.a. 6.12% p.a.
60.01% - 70% 5.39% p.a. 6.12% p.a.
70.01% - 80% 5.39% p.a. 6.26% p.a.
80.01% or more 5.49% p.a. 6.29% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.79% p.a. 6.19% p.a.
60.01% - 70% 5.79% p.a. 6.19% p.a.
70.01% - 80% 5.79% p.a. 6.32% p.a.
80.01% or more 5.89% p.a. 6.36% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.79% p.a. 6.16% p.a.
60.01% - 70% 5.79% p.a. 6.16% p.a.
70.01% - 80% 5.79% p.a. 6.27% p.a.
80.01% or more 5.89% p.a. 6.31% p.a.

Interest only

NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.09% p.a. 6.51% p.a.
60.01% - 70% 6.09% p.a. 6.51% p.a.
70.01% - 80% 6.09% p.a. 6.69% p.a.
80.01% or more 6.19% p.a. 6.70% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.43% p.a.
60.01% - 70% 5.99% p.a. 6.43% p.a.
70.01% - 80% 5.99% p.a. 6.59% p.a.
80.01% or more 6.09% p.a. 6.61% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.36% p.a.
60.01% - 70% 5.99% p.a. 6.36% p.a.
70.01% - 80% 5.99% p.a. 6.51% p.a.
80.01% or more 6.09% p.a. 6.53% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.29% p.a. 6.40% p.a.
60.01% - 70% 6.29% p.a. 6.40% p.a.
70.01% - 80% 6.29% p.a. 6.53% p.a.
80.01% or more 6.39% p.a. 6.57% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.29% p.a. 6.37% p.a.
60.01% - 70% 6.29% p.a. 6.37% p.a.
70.01% - 80% 6.29% p.a. 6.48% p.a.
80.01% or more 6.39% p.a. 6.53% p.a.

Residential investor

Select repayment type

Principal and interest

NAB Tailored Home Loan - Principal and Interest - Residential Investor

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.69% p.a. 6.58% p.a.
60.01% - 70% 5.69% p.a. 6.58% p.a.
70.01% - 80% 5.69% p.a. 6.76% p.a.
80.01% or more 5.79% p.a. 6.77% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.59% p.a. 6.48% p.a.
60.01% - 70% 5.59% p.a. 6.48% p.a.
70.01% - 80% 5.59% p.a. 6.63% p.a.
80.01% or more 5.69% p.a. 6.65% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.59% p.a. 6.39% p.a.
60.01% - 70% 5.59% p.a. 6.39% p.a.
70.01% - 80% 5.59% p.a. 6.53% p.a.
80.01% or more 5.69% p.a. 6.56% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.46% p.a.
60.01% - 70% 5.99% p.a. 6.46% p.a.
70.01% - 80% 5.99% p.a. 6.58% p.a.
80.01% or more 6.09% p.a. 6.62% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.41% p.a.
60.01% - 70% 5.99% p.a. 6.41% p.a.
70.01% - 80% 5.99% p.a. 6.52% p.a.
80.01% or more 6.09% p.a. 6.57% p.a.

Interest only

NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.79% p.a. 6.66% p.a.
60.01% - 70% 5.79% p.a. 6.66% p.a.
70.01% - 80% 5.79% p.a. 6.84% p.a.
80.01% or more 5.89% p.a. 6.85% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.69% p.a. 6.55% p.a.
60.01% - 70% 5.69% p.a. 6.55% p.a.
70.01% - 80% 5.69% p.a. 6.71% p.a.
80.01% or more 5.79% p.a. 6.73% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.69% p.a. 6.46% p.a.
60.01% - 70% 5.69% p.a. 6.46% p.a.
70.01% - 80% 5.69% p.a. 6.60% p.a.
80.01% or more 5.79% p.a. 6.63% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.09% p.a. 6.51% p.a.
60.01% - 70% 6.09% p.a. 6.51% p.a.
70.01% - 80% 6.09% p.a. 6.64% p.a.
80.01% or more 6.19% p.a. 6.67% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.09% p.a. 6.46% p.a.
60.01% - 70% 6.09% p.a. 6.46% p.a.
70.01% - 80% 6.09% p.a. 6.57% p.a.
80.01% or more 6.19% p.a. 6.61% p.a.
Compare rates for all home loan products
Understand more about Loan-to-Value Ratio (LVR) and how it is calculated

Other loan options to consider

Not what you're looking for? Learn about other home loans we have available.

Tailored variable rate with offset

Enjoy extra flexibility and features with a variable rate NAB Tailored Home Loan.

Basic variable rate

Take advantage of our simple, low rate home loan with no ongoing fees.

Help and support

We’re here to help. Learn about the support services available to you.

Contact us for home loan related queries

This is how you can get in touch.

Start a conversation with a banker

  1. Log into either NAB Internet Banking or the NAB app.
  2. Tap on the message icon.
  3. Type ‘speak to a person’ in the conversation window.

Call us

Speak to a home loan expert about a new or existing home loan.

Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)

13 78 79

Book an appointment

Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back.

Book an appointment

Terms and Conditions

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 arrangement for Fixed Rate Home Loans.

Information and rates are correct as at 13 September 2023 and are subject to change.

Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products.

NAB’s home loan products are issued by 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, 647KB), opens in new window

Interest rates for home lending

Target Market Determinations for these products are available at nab.com.au/TMD.