3.92 % p.a.
The benefits of this home loan
Learn about the benefits of our basic variable home loan.
Save money on fees and interest
Pay off your loan sooner
Easy access to your money
Borrow up to 95%
Flexible repayments
Control from your pocket
Offer
Featured interest rates
Offer
A snapshot of our featured rate and what you can expect to pay in fees.
Variable rate
Comparison rate
4.32 % p.a.
Application fee
$ 0
Annual Choice Package fee
$ 395
Enjoy a discount on your NAB Tailored Home Loan when bundled with the NAB Choice Package. Offer available to owner occupiers making principal and interest repayments on loans between $250,000 and $749,999. For more information on comparison rates and the fees and charges that can apply, please refer to our important information below.
Benefits of a variable rate home loan
Make the most of your NAB home loan with these great features and benefits.
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.
Split your loan
Get the best of both worlds by splitting your loan into variable and fixed portions.
Access to great benefits
Get discounts and benefits with your variable rate home loan through the NAB Choice Package.
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.
Pay no credit card annual fee
Enjoy a NAB credit card of your choosing with no annual fee - simply link the card with your NAB Choice Package.
Control from your pocket
Track your progress, make changes to your home loan and estimate your property equity with the NAB app.
Offer
Home loan 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.
Interest rates
Interest rates for the NAB Choice Package.
Owner occupier
Principal and Interest |
Interest rate |
Comparison rate |
|---|---|---|
Less than $250,000 |
Interest rate 4.17% |
Comparison rate 4.57% |
$250,000 to $749,999 |
Interest rate 3.92% |
Comparison rate 4.32% |
$750,000 and above |
Interest rate 3.87% |
Comparison rate 4.28% |
Interest Only |
Interest rate |
Comparison rate |
|---|---|---|
Less than $250,000 |
Interest rate 4.74% |
Comparison rate 4.76% |
$250,000 to $749,999 |
Interest rate 4.49% |
Comparison rate 4.51% |
$750,000 and above |
Interest rate 4.44% |
Comparison rate 4.46% |
Residential investor
Principal and Interest |
Interest rate |
Comparison rate |
|---|---|---|
Less than $250,000 |
Interest rate 4.77% |
Comparison rate 5.16% |
$250,000 to 749,999 |
Interest rate 4.52% |
Comparison rate 4.91% |
$750,000 and above |
Interest rate 4.47% |
Comparison rate 4.86% |
Interest Only |
Interest rate |
Comparison rate |
|---|---|---|
Less than $250,000 |
Interest rate 5.07% |
Comparison rate 5.25% |
$250,000 to 749,999 |
Interest rate 4.82% |
Comparison rate 5.00% |
$750,000 and above |
Interest rate 4.77% |
Comparison rate 4.95% |
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 and help guides 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