6.59 % 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 account, 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.
Choose when you make your repayments – weekly, fortnightly or monthly flexible home loan repayment options.
Control from your pocket
Stay on top of your home loan through the NAB app. You can track your home loan progress, estimate your property equity and more.
Tools and calculators
Do some preparation with our handy tools and calculators to help you choose a loan and decide how much you can afford to borrow and repay.
Refinancing at a glance
What is refinancing?
Reasons to refinance your existing home loan
How to refinance your home loan
Find out all you need to know about refinancing your home loan.
Steps to refinance your home loan
Refinancing your home loan is a big decision, and it can be a complex process. Perhaps you need a different product to suit your needs? Or maybe you’d like to switch your home loan to another bank? No matter why you’re refinancing, here are some of the considerations.
1. Work out what you need from your home loan
Are you unhappy with the loan you have? Perhaps you’re looking at changing which bank holds your home loan. Whatever the reason, it’s important to think about what features and benefits you need and what matters most to you about your loan.
2. Compare our home loan products and offers
Once you have an idea of why you want to refinance, you’ll need to decide on the product that will suit you best. As a first step you can compare our range of home loans, and if you’re new to NAB, you should check if you’re eligible for any of our home loan offers.
3. Understand the costs involved in switching your loan
Some changes to loans will involve fees. This could include break costs, exit fees and application fees, and may be charged by NAB or another bank. You may also want to see whether your borrowing power has changed since your last application.
Ready to get started?
When you’re ready to apply, you can book an appointment online or request a call from a NAB home loan expert who will help you with your application.
Our most popular home loans
Choose between a no-frills basic variable loan, variable interest rates or fixed interest rates loans.
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
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.
Customer Support Tool
Solve problems quickly online with our easy-to-follow guides. Simply select a topic and we’ll direct you to the information you need.
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
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).