Enjoy a $2,000 refinance cashback offer

Make your move a little easier with a $2000 cash bonus when you refinance your existing home loan to NAB. 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on new refinances of $250,000 or more and drawdown must occur from 7 September 2020 until the time the offer is withdrawn.

Customers must have a NAB Transaction account at the time of drawdown.

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

Offers and rates

NAB Base Variable Rate offer

Enjoy a historically low variable rate and save $600 with no application fee.

Variable rate

3.44 % p.a.

Comparison rate

3.48 % p.a.

The NAB Base Variable Rate offer is available to owner-occupiers making principal and interest repayments. Customers must have a deposit equal to 20% or greater.

The $600 application fee waiver is available for new lending only (including refinances and limit increases for existing borrowers).

See important information including the comparison rate warning, below.

2 year fixed rate

Enjoy the clarity of a fixed rate home loan today, so you can get on with life.

Fixed rate (2 years)

5.89 % p.a.

Comparison rate

5.69 % p.a.

Minimum lending of $150,000 applies. See important information including the comparison rate warning, below.

Government grants and incentives

The Australian Government offers eligible homebuyers incentives to purchase a property through the Home Guarantee Scheme (formerly the First Home Loan Deposit Scheme). Learn more about how we can help you apply for these offers.

First Home Guarantee

Eligible buyers can buy or build their first home with a low deposit of 5%, without paying Lenders Mortgage Insurance (LMI).

We have helped thousands of first home buyers achieve their home ownership dream with support from the First Home Guarantee.

Family Home Guarantee

NAB is proud to support eligible single parents with dependants to buy their own family home under the Australian Government Family Home Guarantee.

Both first home buyers and previous homeowners can apply for the Family Home Guarantee, if you don’t already own a home. The scheme is not available for investment properties.

Tools and calculators

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Book an appointment

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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.

Terms and Conditions

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.

View our NAB Choice Package Terms and Conditions (PDF, 281KB), opens in new window

When you apply for the NAB Choice Package, you must include in the package a minimum of $150,000 in eligible lending products (which are existing or approved lending).
Information and rates are correct as at 29 July 2022 and are subject to change. Applications for credit are subject to NAB’s credit approval criteria. Terms and Conditions apply to all NAB products and are available on application. Fees and charges are payable.

Banking Fees - a guide to fees and charges (PDF, 356KB), opens in new window Interest rates for home lending

Correct as at 29 July 2022

© 2022 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686