NAB is here to help – Increased COVID-19 support for home loan customers

Why refinance with us?

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Easy online process

Refinancing online is quick and easy. Your online application for conditional approval can take as little as 20 minutes.

Apply to refinance online
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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.

Find a home loan that's right for you
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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.

Use the NAB equity loan calculator

Home Loan Offers

Whether you're an existing homeowner looking for your next home or an investor looking to build your property portfolio, NAB has a wide range of special offers and discounts to suit your needs.

Things to consider

What is refinancing?

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.

Reasons to refinance your existing home loan

  • To get a better interest rate or different features and add-ons such as redraw facilities or flexible payments.
  • To use the equity in your home to borrow money to renovate or improve your lifestyle with a new car or holiday.
  • To consolidate debts such as a personal loan, car loan or credit card into your mortgage so it’s easier to manage your finances.

Tools and Guides


How much can I borrow?

Obtain an estimate of what you could afford to borrow and compare different loan scenarios.

Borrowing calculator

How much equity do I have?

Get an idea of how much equity you might have in your current home and how you could use it.

Equity Calculator


Property insights

Get a free property report for an estimate of how much the property is worth.

Property insights


Helpful guides

Whether you’re buying, renovating, upgrading or paying off your home loan, read our top property tips.

Home and property tips

Ready to get started?

Apply online for conditional approval. It should take only 15-20 minutes.

Basic Variable

Pay no ongoing monthly fees with our simple, low-rate home loan.

Variable with Offset

A home loan with a discounted variable rate and a 100% offset account.

Fixed Rate

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

Let's talk

We're ready to help you

Talk to an expert
Call 13 78 79

Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)