6.29 % p.a.
Refinance your home loan | Switch home loans today - NAB
Offer
Looking for a deal worth switching for?
Talk to us about our competitive rates.
Variable rate from
Comparison rate from
6.42 % p.a.
Rate depends on your circumstances. See how we calculate your rate
A rate range applies. For new principal & interest owner occupier loans with a maximum loan-to-value ratio of 70%, $750k+ loan. Not for company or trust borrowers. Credit worthiness impacts your rate.
Let's chat about your options.
Refinancing made easier with NAB
Fast and simple switching
Your application goes directly to a home loan expert, meaning fewer steps and faster decisions.
Pay less interest
Link up to 10 offset accounts to reduce the interest you pay on your eligible variable rate home loan.
Flexible repayments
Choose between weekly, fortnightly, or monthly repayments for principal and interest loans.
Compare your options
Live in
Tailored variable rate with offset
Save on interest with offset accounts
Interest rate from
6.29 % p.a.
Comparison rate from
6.42 % p.a.
Rate depends on your circumstances. See how we calculate your rate
A rate range applies. For new principal & interest owner occupier loans with a maximum loan-to-value ratio of 70%, $750k+ loan. Not for company or trust borrowers. Credit worthiness impacts your rate.
Best for
Fees
- $12 monthly service fee
- $0 application fee
Tailored fixed rate
Lock in your rate.
2 year fixed term interest rate
6.81 % p.a.
2 year fixed term comparison rate
7.12 % p.a.
For new principal & interest owner occupier loans with a maximum loan-to-value ratio of 70%. Not available to company or trust borrowers.
Best for
Fees
- $12 monthly service fee
- $0 application fee
For more information on comparison rates and the fees and charges that may apply, refer to our important information section.
Invest
Tailored variable rate with offset
Save on interest with offset accounts.
Interest rate from
6.45 % p.a.
Comparison rate from
6.58 % p.a.
Rate depends on your circumstances. See how we calculate your rate
A rate range applies. For new principal & interest investor loans with a maximum loan-to-value ratio of 70%, $750k+ loan. Not for company or trust borrowers. Credit worthiness impacts your rate.
Best for
Fees
- $12 monthly service fee
- $0 application fee
Tailored fixed rate
Lock in your rate.
2 year fixed term interest rate
6.89 % p.a.
2 year fixed term comparison rate
7.37 % p.a.
For new principal & interest investor loans with a maximum loan-to-value ratio of 70%. Not available to company or trust borrowers.
Best for
Fees
- $12 monthly service fee
- $0 application fee
For more information on comparison rates and the fees and charges that may apply, refer to our important information section.
How we calculate your rate
The rate range shown for the Tailored variable rate with offset home loan is an estimate only and is based on a loan amount of $750,000 or more. The rate we offer you is in a range that will depend on your individual circumstances, including (but not limited to) your banking history with NAB, information provided in your application, loan amount, your credit risk and your credit history. This rate could change and may be different on the day of settlement.
How refinancing works
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Get an estimate of how much you could save by refinancing and explore whether switching could work for you.
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Chat with a home loan expert about your goals. They'll help you understand your options and the rates available to you.
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To apply, we'll need some information from you including:
- Income
- Expenses
- Current home loan details
We may also ask for identification and supporting documents like your passport and driver licence.
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Once your loan is approved, we'll help manage the move from your current lender and keep you updated along the way.
Calculators
Refinance calculator
See how much you could save.
Borrowing calculator
Understand how much you could borrow.
Repayment calculator
See what your repayments could be.
Have any questions?
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The cost of refinancing depends on your current loan and the lender you’re switching from. Costs can include:
- A discharge fee charged by your current lender
- Government registration fees
- Property valuation fees (if required)
- Settlement costs
- Break costs if you're ending a fixed rate loan early
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You can generally refinance your home loan at any time. When considering a refinance, it's worth understanding your equity position and loan-to-value ratio (LVR), as these can influence your available loan options and whether additional costs, such as Lenders Mortgage Insurance (LMI), may apply.
If you're unsure where you stand, you can estimate your equity and speak with a NAB home loan expert to explore your refinancing options.
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The time it takes to refinance can vary depending on your circumstances, the information provided with your application, and how long the approval and settlement process takes.
Once your application is approved and loan documents are signed, settlement occurs when your new home loan is used to pay out your existing home loan.
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A property valuation will be required as part of your refinance application. This helps assess your property's current value and determine your available equity.
We are here for the long term
From finding a competitve rate that suits your needs to managing your home loan after you switch, you'll have support when you need it.
Get in touch
Message us
Chat with us in your NAB app or Internet Banking.
Give us a call
Mon-Fri, 8:00am-7:00pm
Sat-Sun, 9:00am-6:00pm (Sydney time)
Book a time to talk
Choose a time that works for you.
Terms and Conditions
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NAB Internet Banking and NAB app
Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android and iOS, minimum platform requirements apply. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are registered trademarks of Google LLC. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.
Other important information
Information and rates are correct as at 12 October 2026 and are subject to change. The interest rates shown on this page are available on new home loans. 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.
Personal Banking Fees - a guide to fees and charges (PDF, 146KB)
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