Enjoy a discount on your 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 rates1 and the fees and charges that can apply, please refer to our Important Information below.

  • 3.67 %p.a.

    Variable rate

  • 4.08 %p.a.

    Comparison rate1

  • $395

    Annual Choice Package fee

  • $0.00

    application fee

Ready to get started?

Apply online for conditional approval. It can take around 20 minutes.

Benefits and Features

Save with an offset account

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.  

Get access to benefits

Get access to benefits

Get discounts and benefits with your variable rate home loan through the NAB Choice Package.

Pay no credit card annual fees

Pay no credit card annual fees

Enjoy a NAB credit card of your choosing with no annual fee - simply link the card with your NAB Choice Package.

Split your loan

Split your loan

Get the best of both worlds by splitting your loan into variable and fixed portions.

Flexible repayment options

Flexible repayment options

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

Control from your pocket

Control from your pocket

Track your home loan progress, estimate your property equity and more from within the NAB App.


Make your move a little easier with a $2k 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 between 7 September 2020 and 31 July 2021, unless extended.

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

Enquire now

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Interest Rates

choice package - principal & interest
NAB Choice Package – Principal & Interest Interest rate Comparison rate1
Less than $250,000 Interest rate 3.92% p.a. Comparison rate1 4.32% p.a.
$250,000 to 749,999 Interest rate 3.67% p.a. Comparison rate1 4.08% p.a. View disclaimer 1
$750,000 and above Interest rate 3.62% p.a. Comparison rate1 4.03% p.a. View disclaimer 1
Choice Package - Interest Only
NAB Choice Package – Interest Only Interest rate Comparison rate1
Less than $250,000 Interest rate 4.49% p.a. Comparison rate1 4.51% p.a.
$250,000 to $749,999 Interest rate 4.24% p.a. Comparison rate1 4.26% p.a.
$750,000 and above Interest rate 4.19% p.a. Comparison rate1 4.21% p.a.

Comparison rate warning1

Compare rates for all home loan products

Other options to consider

babies playing

Basic Variable

Pay no ongoing monthly fees with our simple, low-rate home loan.

Daughter enjoying with mother

Fixed Rate

Lock in your interest rate and enjoy the certainty of fixed repayments.

Let's talk

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