Refinancing online is quick and easy. Your online application for conditional approval can take as little as 20 minutes.
Get access to a host of home loan features like 100% offset account, fee-free redraw on variable loans and the NAB Mobile App.
Use our tools and calculators to help you understand how much equity you can unlock in your property and how you can use it.
Refinancing is the process of taking out a new mortgage to replace an existing loan. While this can be with the same lender, it often involves switching to another bank.
It might be time to think about switching your loan if you have been thinking about moving home or renovating. Refinancing could also give you access to additional features like an offset account or a lower interest rate.
Obtain an estimate of what you could afford to borrow and compare different loan scenarios.
Get an idea of how much equity you might have in your current home and how you could use it.
Whether you’re buying, renovating, upgrading or paying off your home loan, read our top property tips.
Pay no ongoing monthly fees with our simple, low-rate home loan.
A home loan with a discounted variable rate and a 100% offset account.
Lock in your interest rate and enjoy the certainty of fixed repayments.
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.
NAB’s Fixed Rate Home Loan products do not come with an interest offset facility.
Information and rates are correct as at 22 March 2020 and 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, 355KB) Interest rates for home lending
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