6.29 % 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 offer rate
Offer
This offer is for new Owner occupierAn owner-occupier owns the home they live in which is used as their primary residence. They don’t rent out the home or use it for investment purposes. , principal and interest home loans where the customer takes a variable rate with offset NAB Tailored Home Loan and has a deposit of 30% or more of the property value (maximum permitted Loan to Value ratio of 70%).
Variable rate
Comparison rate
6.38 % p.a.
Application fee
$ 0
Monthly service fee
$ 8 monthly
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 offset accounts
You could save thousands of dollars in interest and cut years off your home loan by using up to 10 offset accounts .
Flexible repayment options
Manage your repayment. Choose a frequency that works for you - weekly, fortnightly or monthly.
Split your loan
Get the best of both worlds by splitting your loan into variable and fixed portions.
Pay your mortgage off sooner
Get ahead faster with no fees for making extra repayments on variable rate loans.
Control from your pocket
Track your progress, make changes to your home loan and estimate your property equity with the NAB app.
Home loan calculators and tools
Use our tools and calculators to show you 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.
Home loan repayment calculator
Compare your loan amount with other factors to estimate your minimum loan repayments.
Property insights , opens in new window
Get information about a suburb or specific property, coupled with estimated property values and sales and rental history.
Ready to start your home buying journey?
Book an appointment with a home loan expert to discuss your options.
Interest rates
Have a look at our variable interest rates for the NAB Tailored Home Loan.
Owner occupier
Principal and interest
NAB Tailored Home Loan - Principal and Interest - Owner Occupier
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.29% p.a. | 6.38% p.a. |
| 60.01% - 70% | 6.29% p.a. | 6.38% p.a. |
| 70.01% - 80% | 6.49% p.a. | 6.58% p.a. |
| 80.01% or more | 6.49% p.a. | 6.58% p.a. |
Interest only
NAB Tailored Home Loan - Interest Only - Owner Occupier
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.76% p.a. | 6.57% p.a. |
| 60.01% - 70% | 6.76% p.a. | 6.57% p.a. |
| 70.01% - 80% | 6.96% p.a. | 6.77% p.a. |
| 80.01% or more | 6.96% p.a. | 6.77% p.a. |
Residential investor
Principal and interest
NAB Tailored Home Loan - Principal and Interest - Residential Investor
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.59% p.a. | 6.67% p.a. |
| 60.01% - 70% | 6.59% p.a. | 6.67% p.a. |
| 70.01% - 80% | 6.79% p.a. | 6.87% p.a. |
| 80.01% or more | 6.79% p.a. | 6.87% p.a. |
Interest only
NAB Tailored Home Loan - Interest only - Residential Investor
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.79% p.a. | 6.76% p.a. |
| 60.01% - 70% | 6.79% p.a. | 6.76% p.a. |
| 70.01% - 80% | 6.99% p.a. | 6.96% p.a. |
| 80.01% or more | 6.99% p.a. | 6.96% p.a. |
Other loan options to consider
Not what you're looking for? Learn about other home loans we have available.
Basic variable rate
Take advantage of our simple, low rate home loan with no ongoing fees.
Tailored fixed rate
Gain additional certainty of a fixed interest rate with a NAB Tailored Home Loan.
Help and support
We’re here to help. Learn about the support services and help guides available to you.
Contact us for home loan related queries
This is how you can get in touch.
Start a conversation with a banker
- Log into either NAB Internet Banking or the NAB app.
- Tap on the message icon.
- Type ‘speak to a person’ in the conversation window.
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)
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.
Terms and Conditions
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Other Important Information
NAB’s Home loan products are not 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.
Information and rates are correct as at 17 March 2023 and are subject to change.
Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products.
NAB’s home loan products are issued by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).
Personal Banking Fees - a guide to fees and charges (PDF, 647KB), opens in new window
Interest rates for home lending
Target Market Determinations for these products are available at nab.com.au/TMD.