2.44 % p.a.
Offers and rates
NAB Base Variable Rate offer
Enjoy a historically low variable rate and save $600 with no application fee.
2.48 % 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)
3.99 % p.a.
4.54 % 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. Learn more about how we can help you apply for these offers.
First Home Loan Deposit Scheme
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 Loan Deposit Scheme (FHLDS).
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.
Home loan offers
Book an appointment
Request a call back or book an appointment in branch or with a mobile banker who can come to you.
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
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.
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 13 May 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.
Correct as at 13 May 2022
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