5.79 % p.a.
Refinance your home loan | Switch home loans today - NAB
See what refinancing can do for you
We make refinancing easy to navigate, with fast, simple support to help you move ahead when the time feels right.
Reasons to refinance with NAB
Offer
2 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 2 year fixed rate NAB Tailored Home Loan and has a deposit of 20% or more of the property value (Maximum permitted loan to value ratio of 80%).
2 year fixed rate
Comparison rate
6.44 % 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
Borrowing calculator
Get an estimate of how much you can afford to borrow for your home.
Repayment calculator
Compare your loan amount with other factors to estimate your minimum loan repayments.
Equity calculator
Evaluate your home’s equity and see how you could make it work for you.
How to refinance your home loan with NAB
Step 1
Assess your financial position
Understand your equity position before you renovate, invest or consider switching. Use our calculator to get an estimate.
Step 2
Get expert support
Understand your options, with tailored support to help you choose a suitable loan and interest rate and apply with confidence.
Step 3
Manage with ease
Once settled, stay on top of your home loan easily and keep track of repayments in the NAB app.
Our most popular home loans
Choose between a no-frills basic variable loan, variable interest rates or fixed interest rate 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.
Explore our property guides
Guide to refinancing your home loan
Find out all you need to know about refinancing your home loan.
Using home equity to invest or buy your next home
Learn what is equity and how you can use it for a new investment property purchase.
Renovation lending: How to finance your home makeover
Explore finance options for your home renovation.
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 16 March 2026 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, 146KB)