Flexible lending that fits your strategy
Take control of your property goals with competitive variable rates and features that support your next move.
Why investors choose us:
Investor interest rates
View the home loan interest rates available to residential investors for variable and fixed rate home loans.
Basic Variable
NAB Base Variable Rate Home Loan – Residential Investment
| Loan type |
Interest rate |
Comparison rate |
|---|---|---|
|
Principal and interest |
Interest rate
6.21% p.a.
|
Comparison rate
6.25% p.a.
|
|
Interest Only |
Interest rate
6.92% p.a.
|
Comparison rate
6.56% p.a.
|
Comparison rate warning
Variable rate with Offset
NAB Tailored Home Loan - Principal and Interest - Residential Investor
The variable rates for a NAB Tailored Home Loan will vary depending on your Loan to Value Ratio (LVR).
We’ve set out the current rates for our retail and broker customers below. For customers that have a Business or Private Wealth relationship with NAB, different interest rates (and conditions) may apply. Speak to your banker about your interest rate.
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
6.34% p.a.
|
Comparison rate
6.43% p.a.
|
| 60.01% - 70% |
Interest rate
6.34% p.a.
|
Comparison rate
6.43% p.a.
|
| 70.01% - 80% |
Interest rate
6.54% p.a.
|
Comparison rate
6.63% p.a.
|
| 80.01% or more |
Interest rate
6.54% p.a.
|
Comparison rate
6.63% p.a.
|
Comparison rate warning
Fixed rate
NAB Tailored Home Loan - Principal and Interest - Residential Investor
The fixed rates for a NAB Tailored Home Loan vary based on the length of the fixed rate period and the Loan to Value Ratio (LVR).
We’ve set out the current rates for our retail and broker customers below. For customers that have a Business or Private Wealth relationship with NAB, different interest rates (and conditions) may apply. Speak to your banker about your interest rate.
1-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
5.44% p.a.
|
Comparison rate
6.33% p.a.
|
| 60.01% - 70% |
Interest rate
5.44% p.a.
|
Comparison rate
6.33% p.a.
|
| 70.01% - 80% |
Interest rate
5.44% p.a.
|
Comparison rate
6.51% p.a.
|
| 80.01% or more |
Interest rate
5.54% p.a.
|
Comparison rate
6.52% p.a.
|
2-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
5.34% p.a.
|
Comparison rate
6.23% p.a.
|
| 60.01% - 70% |
Interest rate
5.34% p.a.
|
Comparison rate
6.23% p.a.
|
| 70.01% - 80% |
Interest rate
5.34% p.a.
|
Comparison rate
6.39% p.a.
|
| 80.01% or more |
Interest rate
5.44% p.a.
|
Comparison rate
6.41% p.a.
|
3-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
5.49% p.a.
|
Comparison rate
6.19% p.a.
|
| 60.01% - 70% |
Interest rate
5.49% p.a.
|
Comparison rate
6.19% p.a.
|
| 70.01% - 80% |
Interest rate
5.49% p.a.
|
Comparison rate
6.33% p.a.
|
| 80.01% or more |
Interest rate
5.59% p.a.
|
Comparison rate
6.36% p.a.
|
4-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
5.89% p.a.
|
Comparison rate
6.26% p.a.
|
| 60.01% - 70% |
Interest rate
5.89% p.a.
|
Comparison rate
6.26% p.a.
|
| 70.01% - 80% |
Interest rate
5.89% p.a.
|
Comparison rate
6.39% p.a.
|
| 80.01% or more |
Interest rate
5.99% p.a.
|
Comparison rate
6.42% p.a.
|
5-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
5.89% p.a.
|
Comparison rate
6.23% p.a.
|
| 60.01% - 70% |
Interest rate
5.89% p.a.
|
Comparison rate
6.23% p.a.
|
| 70.01% - 80% |
Interest rate
5.89% p.a.
|
Comparison rate
6.34% p.a.
|
| 80.01% or more |
Interest rate
5.99% p.a.
|
Comparison rate
6.38% p.a.
|
Comparison rate warning
Home loan tools and calculators
Quickly see what your investment could look like.
Repayment calculator
Compare your loan amount with other factors to estimate your minimum loan repayments.
Borrowing power calculator
Get an estimate of how much you can afford to borrow for your home.
Equity loan calculator
Evaluate your home’s equity and see how you could make it work for you.
How to invest in property with NAB
Step 1
Understand your buying power
Review your borrowing power and available equity to see how much you’ll need upfront.
Step 2
Do your research
Use NAB Property Insights and market reports to guide your investment decisions. Read about market shifts, recent sales and more.
Step 3
Start your loan application
With your research complete and finances sorted, our experts are ready to help you get your loan underway.
Property investment guides
If you’re still in the research phase, read our tips to help you through your property investment journey.
Using your home’s equity to invest
If you've paid off a good part of your home loan, or your property's value has increased, you may have access to a lot of equity.
Understanding rental yield
Wondering what rental yield is and why it matters before buying an investment property? We'll make it simple and clear.
How rentvesting works
Learn about how rentvesting can help you invest in property, whether you're a first-time investor or a home owner ready to move out and rent.
Our experts can help you invest with confidence
Investing in property doesn't have to be complicated. With NAB's home lending experts by your side, get personalised guidance and tailored solutions so you can make confident, informed decisions that support your goals today and build your wealth for tomorrow.
Terms and Conditions
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Other important information
NAB’s Fixed Rate Home Loan products do not come with an interest offset facility.
Information and rates are correct as at 10 November 2025 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. 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, 146KB)