Offers and rates

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)

6.59 % p.a.

Comparison rate

6.83 % p.a.

For new owner occupier, principal and interest home loans with maximum Loan to Value ratio of 70%.

Minimum lending of $20,000 applies. See important information including the comparison rate warning, below.

NAB Base Variable Rate Home Loan

Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.

Variable rate

6.84 % p.a.

Comparison rate

6.88 % p.a.

Available for new owner occupier, principal and interest home loans where the customer takes a NAB Base Variable Rate Home Loan.

For more information on comparison rates and the fees and charges that can apply please refer to our important information 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.

Ready to get started?

When you’re ready to apply, you can book an appointment online or request a call from a NAB home loan expert who will help you with your application.

Tools and calculators

Contact us for home loan related queries

This is how you can get in touch.

Start a conversation with a banker

  1. Log into either NAB Internet Banking or the NAB app.
  2. Tap on the message icon.
  3. 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)

13 78 79

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

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 2 December 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, 177KB), opens in new window Interest rates for home lending

Correct as at 16 December 2022

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