Variable rates and fees

This line of credit variable rate applies to lending of $1 million and above. For more information on the fees and charges that can apply please refer to the important information section.

Variable rate

9.08 % p.a.

Monthly service fee

$ 0

Application fee

$ 0

Annual package fee

$ 550

Benefits of the NAB Portfolio Facility

The features of the facility put you in control of your borrowings with easy and convenient access to your money when you need it.

Convenient and cost-effective

Enjoy the simplicity of one facility and limit for an annual package fee of $550. There are no application or monthly service fees.

All your borrowings in one place

A single lending limit for all your home and investment loans and no need to re-apply to access credit, unless you need to increase your credit limit.

Organise your money your way

Organise your borrowings to suit your needs and objectives, with up to 12 home loan sub accounts and a choice of fixed or variable rates.

Access money when you need it

Easily withdraw money up to your approved credit limit (provided the account doesn't have a fixed rate) using ATMs and internet banking.

Unlock your equity

Use the equity in your property to borrow up to 80% of a property’s value, so you can start on your next project sooner.

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.

Package discounts and benefits

Combine your NAB Portfolio Facility with other selected NAB products  for discounts and savings.

  • no annual credit card fees on up to two eligible NAB credit card accounts that you choose to include in your package
  • NAB transaction fees and NAB ATM fees waived when you access a NAB Portfolio Facility sub account through an ATM in Australia or overseas
  • 10% discount off the standard premium when you renew or apply for a NAB Home Insurance or Car Insurance policy

Please note, this is an example only and may be different depending on your circumstances. To enjoy these benefits (and more), you’ll need to ask us to include the products in your Portfolio Package and pay the annual package fee of $550.

Tools and calculators

Check out our tools and calculators to help you budget and plan for the future.

Portfolio facility interest rates

These tables show rates for the NAB Portfolio Facility that are available to both owner occupiers and residential investors.

The NAB Portfolio Facility is only on sale to business customers.

Variable rate line of credit

Borrowed amount Interest rate
$250,000 to $499,999 9.28% p.a.
$500,000 to $999,999 9.18% p.a.
$1,000,000 and above 9.08% p.a.

Fixed rate: interest-only in arrears

Loan term Interest rate
1 year 7.04% p.a.
2 years 6.94% p.a.
3 years 6.94% p.a.
4 years 7.14% p.a.
5 years 7.19% p.a.

Fixed rate: interest-only in advance

Loan term Interest rate
1 year 6.94% p.a.
2 years 6.84% p.a.
3 years 6.84% p.a.
4 years 7.04% p.a.
5 years 7.09% p.a.

Other options to consider

Haven't found what you're looking for? Learn about other financial packages and services available.

Contact us for home loan related queries

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.

Customer Support Tool

Solve problems quickly online with our easy-to-follow guides. Simply select a topic and we’ll direct you to the information you need.

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

Terms and Conditions

Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708) (Allianz) is the insurer and issuer of this insurance. Allianz has entered into a distribution arrangement with National Australia Bank Limited (ABN 12 004 044 937) (NAB). Under this arrangement, NAB is authorised to arrange for the issue of this insurance by Allianz as its agent, not yours. All other services provided by NAB in relation to this insurance are not provided on behalf of Allianz. Neither NAB, nor any of its related bodies corporate, accept liability or guarantee payment of any claim or benefit in respect of this insurance. A policy does not represent a deposit with, or a liability of, nor is guaranteed by either NAB or any of its related bodies corporate.

NAB is paid commission if Allianz issue you with this insurance (including renewals and variations) and may be entitled to a profit share or marketing allowance if certain thresholds are met in agreed periods regarding this and other types of insurance policies entered into under NAB’s arrangement with Allianz. Details are provided in the NAB (AFSL 230686) Financial Services Guide, available in branch, by calling 13 29 28 or at

Any advice contained is general only and does not take into account your particular objectives, financial situation or needs (personal circumstances). You may wish to make this assessment yourself or seek the help of an adviser.

As a result, you should consider whether any such advice and the insurance product are suitable for your personal circumstances. Please consult the Policy Document and Product Disclosure Statement (PDS) relating to the product available in branch, by calling 13 29 28 or at before making any decision about whether to acquire or continue to hold the product. Information about insurance coverage is a summary only and you should read the PDS for full terms, conditions, limits and exclusions that apply. Insurance is subject to eligibility.

The Target Market Determination for this product is available at