5.39 % p.a.
Why refinance your home loan with us?
There are many reasons you may want to refinance your home loan, but here are some benefits of refinancing with NAB.
Get started online
Our home loan expert can answer any queries you may have and will guide you through the process of switching your loan to NAB.
Access powerful new features
Get access to a host of home loan features like 100% offset accounts, fee-free redraw on variable loans and the NAB Mobile App.
Unlock your equity
Use our tools and calculators to help you understand how much equity you can unlock in your property and how you can use it.
Flexible repayments
Choose when you make your repayments – weekly, fortnightly or monthly flexible home loan repayment options.
Pay off your loan sooner
Whether you refinance to a fixed or variable home loan, there are opportunities to make extra repayments.
Most satisfied customers
We’ve been awarded Canstar’s Most Satisfied Customers of any Major Bank in 2024. Choose from a range of home loan options that best suit your needs.
Offer
3 year fixed rate home loan
Offer
This offer is for new Owner occupierAn owner-occupier owns the home they live in which is used as their primary residence. They don’t rent out the home or use it for investment purposes. , principal and interest home loans where the customer takes a 3 year fixed rate NAB Tailored Home Loan and has a deposit of 30% or more of the property value (maximum permitted loan to value ratio of 70%).
3 year fixed rate
Comparison rate
6.12 % p.a.
Application fee
$ 0
Monthly service fee
$ 8 monthly
For more information on comparison rates and the fees and charges that can apply please refer to our Important Information below.
Tools and calculators
Use our handy tools and calculators to help you choose a home loan and also understand how much you can afford to borrow and repay.
Home loan repayment calculator
Compare your loan amount with other factors to estimate your minimum loan repayments.
How much can I borrow?
Get an estimate of how much you can afford to borrow for your home.
Our most popular home loans
Choose between a no-frills basic variable loan, variable interest rates or fixed interest rates loans.
Basic variable rate
Take advantage of our simple, low rate home loan with no ongoing fees.
Tailored variable rate with offset
Enjoy extra flexibility and features with a variable rate NAB Tailored Home Loan.
Tailored fixed rate
Gain additional certainty of a fixed interest rate with a NAB Tailored Home Loan.
Help and support
Use our handy guides to help you learn more about your property, managing your home loan and the home loan process.
Contact us for home loan related queries
This is how you can get in touch.
Start a conversation with a banker
- Log into either NAB Internet Banking or the NAB app.
- Tap on the message icon.
- 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)
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
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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 August 2022 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, 647KB), opens in new window