NAB Tailored Home Loan

NAB Tailored Home Loan

NAB Tailored Home Loan

NAB Tailored Home Loan

Tailored home loan rates and fees

A snapshot of our featured rate and what you can expect to pay in fees.

Variable rate

5.27 % p.a.

Comparison rate

5.40 % p.a.

Application fee

$ 0

Monthly service fee

$ 8

This variable rate applies to eligible owner occupier home loans when making principal and interest repayments. For more information on comparison rates and the fees and charges that can apply please refer to our important information.

Benefits of a NAB Tailored Home Loan

Our flexible, tailored home loans come packed with great benefits and features.

Save with an offset account

You could save thousands of dollars in interest and cut years off your home loan by using an offset account.

Use as a construction loan

The loan can be used to let you make progressive payments to your builder. It includes interest-only repayment options with terms of one or two years.

Flexible repayment options

Choose a repayment frequency that works for you - we also don’t charge any additional fees if you want to make extra repayments.

Use redraw to access extra cash

If you’re at least one full repayment ahead, you can redraw $500 or more with no fees if you have a variable rate home loan. It’s simple to redraw using NAB Internet Banking.

Pay off your mortgage sooner

Get ahead faster with no fees for making extra repayments on variable rate loans. Make additional repayments up to a total of $20,000 on fixed rate loans and save interest on your mortgage.

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

Enjoy a $2000 refinance bonus

Make your move a little easier with a $2000 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on new refinances of $250,000 or more and drawdown must occur from 7 September 2020 until the time the offer is withdrawn.

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

Book an appointment

Calculators and tools

Use our tools and calculators to work out 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.

What will my repayments be?

Calculate your repayments and get tips on how to pay off your loan sooner.
View all home loan calculators

Compare home loan interest rates

With a NAB Tailored Home Loan you have the option of a fixed rate, variable or a mixture of both.

Variable home loan interest rates

Variable rates for owner occupiers

Variable rates for owner occupiers
  Interest rate Comparison rate
Principal and interest
Interest rate
5.27% p.a.
Comparison rate
5.40% p.a.
Interest only
Interest rate
5.84% p.a.
Comparison rate
5.63% p.a.

Variable rates for residential investors

Variable rates for residential investors
  Interest rate Comparison rate
Principal and interest
Interest rate
5.87% p.a.
Comparison rate
6.00% p.a.
Interest only
Interest rate
6.17% p.a.
Comparison rate
6.12% p.a.

Fixed home loan interest rates

Fixed rates for owner occupiers

Principal and interest

NAB Tailored Home Loan - Principal and interest
  Interest rate Comparison rate
1 year
Interest rate
3.69% p.a.
Comparison rate
5.25% p.a.
2 year
Interest rate
4.69% p.a.
Comparison rate
5.29% p.a.
3 year
Interest rate
5.09% p.a.
Comparison rate
5.35% p.a.
4 year
Interest rate
5.49% p.a.
Comparison rate
5.48% p.a.
5 year
Interest rate
5.59%  p.a.
Comparison rate
5.54% p.a.

Interest only in arrears

NAB Tailored Home Loan - Interest only in arrears
  Interest rate Comparison rate
1 year
Interest rate
4.99% p.a.
Comparison rate
5.55% p.a.
2 year
Interest rate
5.34% p.a.
Comparison rate
5.54% p.a.
3 year
Interest rate
5.44% p.a.
Comparison rate
5.52% p.a.
4 year
Interest rate
5.74% p.a.
Comparison rate
5.59% p.a.
5 year
Interest rate
5.94% p.a.
Comparison rate
5.67% p.a.

Interest only in advance - share investment

NAB Tailored Home Loan - Interest only in advance - share investment
  Interest rate Comparison rate
1 year
Interest rate
4.89% p.a.
Comparison rate
5.55% p.a.
2 year
Interest rate
5.24% p.a.
Comparison rate
5.55% p.a.
3 year
Interest rate
5.34% p.a.
Comparison rate
5.54% p.a.
4 year
Interest rate
5.64% p.a.
Comparison rate
5.62% p.a.
5 year
Interest rate
5.84% p.a.
Comparison rate
5.70% p.a.

Fixed rates for residential investors

Principal and interest

NAB Tailored Home Loan - Principal and interest
  Interest rate Comparison rate
1 year
Interest rate
4.19% p.a.
Comparison rate
5.83% p.a.
2 year
Interest rate
4.94% p.a.
Comparison rate
5.82% p.a.
3 year
Interest rate
5.29% p.a.
Comparison rate
5.84% p.a.
4 year
Interest rate
5.59% p.a.
Comparison rate
5.90% p.a.
5 year
Interest rate
5.69% p.a.
Comparison rate
5.92% p.a.

Interest only in advance - share investment

NAB Tailored Home Loan - Interest only in advance - share investment
  Interest rate Comparison rate
1 year
Interest rate
4.89% p.a.
Comparison rate
5.55% p.a.
2 year
Interest rate
5.24% p.a.
Comparison rate
5.55% p.a.
3 year
Interest rate
5.34% p.a.
Comparison rate
5.54% p.a.
4 year
Interest rate
5.64% p.a.
Comparison rate
5.62% p.a.
5 year
Interest rate
5.84% p.a.
Comparison rate
5.70% p.a.

Interest only in arrears

NAB Tailored Home Loan - Interest only in arrears
  Interest rate Comparison rate
1 year
Interest rate
4.29% p.a.
Comparison rate
5.94% p.a.
2 year
Interest rate
5.14% p.a.
Comparison rate
5.93% p.a.
3 year
Interest rate
5.39% p.a.
Comparison rate
5.91% p.a.
4 year
Interest rate
5.69% p.a.
Comparison rate
5.95% p.a.
5 year
Interest rate
5.89% p.a.
Comparison rate
6.00% p.a.

Interest in Advance

NAB Tailored Home Loan - Interest in Advance
  Interest rate Comparison rate
1 year
Interest rate
4.19% p.a.
Comparison rate
5.94% p.a.
2 year
Interest rate
5.04% p.a.
Comparison rate
5.94% p.a.
3 year
Interest rate
5.29% p.a.
Comparison rate
5.93% p.a.
4 year
Interest rate
5.59% p.a.
Comparison rate
5.98% p.a.
5 year
Interest rate
5.79% p.a.
Comparison rate
6.04% p.a.

Comparison rate warning

Compare rates for all home loan products

Other options to consider

We have a range of finance products to suit your particular needs.

Variable with offset

Enjoy extra flexibility, features and discounts when bundled with a NAB Choice Package.

Fixed rate

Gain additional certainty and discounts when bundled with a NAB Choice Package.

Basic variable rate

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

Help and support

Get the most out of your NAB home loan and discover popular help and support tasks.

More help and support

Use our helpful guides, FAQs and support services to help manage all of your banking more easily.

View our help and support hub

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.

Book an appointment

Call us

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

13 78 79

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Find a branch

Terms and Conditions