Rates and fees

  • 6.35

    interest rate

  • 250

    annual service fee

  • 600

    application fee

More rates and fees information

Features and benefits

No scheduled repayments

  • Make repayments as and when you want - you just need to ensure you've covered any interest charges.

Access your money easily

  • Open a NAB transaction account and your credit limit is linked to it.
  • Withdraw your money when you need it up to your credit limit1.

Borrow up to 80% of the property value

  • Lets you get into your home sooner so you don’t have to save such a large deposit.

Enjoy benefits and discounts

Can be used to build your home

  • Provided there is sufficient equity, this loan is available to make renovations to your property3

Foreign applicants / applicants living overseas please refer to Important Information

How it works

Conditional home loan approval

  • Step 1

    Find out how much you can potentially borrow with our Borrowing calculator.

  • Step 2

    Apply online for conditional approval. It takes only 15-20 minutes.


  • Step 3

    Once you have conditional approval, you can make offers with confidence.

  • Step 4

    Tailor your home loan with a banker and finalise the application towards unconditional approval.

Other options to consider

NAB Choice Package

Get more from your banking. Package your banking products and enjoy discounts and other benefits.

NAB Tailored Home Loan – Variable Interest Rate

Pay off your home loan sooner with our feature-packed, flexible home loan.

NAB Base Variable Rate Home Loan

Get into your home sooner with our simple, low-cost home loan.

Important information

Terms and conditions available on application. Except where stated, fees and charges may apply. Subject to normal lending criteria.

Information current at 1 August 2016 subject to change.

1 If the line of credit facility is attached to more than one account, you can only withdraw up to the account limit on each account.

2 These benefits only apply to products and services as long as that product or service is part of your NAB Choice Package.

Loan, investment and credit card accounts are only treated as being part of your NAB Choice Package if the NAB Choice Package offer document that you sign specifies that they are included in your package. Each other product or service described in these terms and conditions is only included in your package if you ask us to include it when you apply for it.

NAB FlexiPlus Mortgage Facility will not be 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.

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