Home loans | Find home loan options and calculators - NAB
Explore our home loans
Compare our home loans options for owner occupiers and investors to find one that’s suitable for your needs.
For more information on comparison rates and the fees and charges that can apply, refer to our important information section.
For owner occupiers
Tailored variable rate with offset
Enjoy extra flexibility and features with access to up to 10 offset accounts.
| Interest rate | From 6.09% p.a to 6.79% p.a |
|---|---|
| Comparison rate | From 6.18% p.a to 6.87% p.a |
Criteria includes
- Principal and interest repayments
- Owner occupier
- Maximum loan-to-value (LVR) of 70%
- Not available for company or trust borrowers
Features
Fees
- $8 monthly service fee
- No application fee
Tailored fixed rate
Additional repayment certainty by locking your interest rate for a fixed term.
| 2 year fixed term interest rate | 6.39% p.a |
|---|---|
| 2 year fixed term comparison rate | 6.79% p.a |
Criteria includes
- Principal and interest repayments
- Owner occupier
- Maximum loan-to-value (LVR) of 70%
- Not available for company or trust borrowers
Features
Fees
- $8 monthly service fee
- No application fee
For investors
Tailored variable rate with offset
Enjoy extra flexibility and features with access to up to 10 offset accounts.
| Interest rate | From 6.20% p.a to 7.09% p.a |
|---|---|
| Comparison rate | From 6.29% p.a to 7.17% p.a |
Criteria includes
- Principal and interest repayments
- Investor loan purpose
- Maximum loan-to-value (LVR) of 70%
- Not available for company or trust borrowers
Features
Fees
- $8 monthly service fee
- No application fee
Tailored fixed rate
Additional repayment certainty by locking your interest rate for a fixed term.
| 2 year fixed term interest rate | 6.44% p.a |
|---|---|
| 2 year fixed term comparison rate | 7.04% p.a |
Criteria includes
- Principal and interest repayments
- Investor loan purpose
- Maximum loan-to-value (LVR) of 70%
- Not available for company or trust borrowers
Features
Fees
- $8 monthly service fee
- No application fee
How we calculate your rate
The rate range shown is an estimate only. The rate we offer you in the range will be based on your individual circumstances including (but not limited to) your banking history with NAB, information provided in your application, your credit risk and your credit history. This rate could change and may be different on the day of settlement.
Why choose a NAB Home Loan?
Reduce interest
Save on interest by linking up to 10 offset accounts to your variable rate NAB Tailored home loan.
Flexible repayments
Pay weekly, fortnightly, or monthly. Feel in control by choosing a repayment amount and schedule that works for you, all from your mobile.
Tailored for you
Get personalised support to understand your loan options and interest rates, plus access to fast home loan approvals when you’re ready.
Trusted and awarded
We're proud to be Canstar's 2025 winner for Most Satisfied Customers - Home Lender for Major Banks. With NAB, you can count on expert support every step of your home loan journey.
Tools and calculators
Calculate how much you can afford to borrow and other useful home loan tools.
Repayments calculator
Select your loan amount and other features to estimate your loan repayments.
Borrowing calculator
Get an estimate of how much you can afford to borrow for your home.
Equity calculator
Evaluate your home’s equity and see how you could make it work for you.
Home selector tool
We’ll help you find a home loan that suits your needs.
Step 1
Plan your finances
Check your borrowing power to see how much you can afford – then plan your deposit and estimate repayments.
Step 2
Get a pre-approval
A pre-approval will give you a clear picture of what you can afford, so you can house-hunt with confidence.
Step 3
Find your property
Do your research with our market reports. Once you find your property, make an offer and apply for your loan.
Tips Home buying guides
Buying your first home – the different stages
There’s a lot to consider, so here are some tips and tools to get you started.
Buying your next home
Thinking about buying a house or freeing up equity? We can help make it happen.
Investing in property
Find out how investing in property can help you build wealth.
Other options to consider
Learn about home loans for members of the Australian Defence Force, or how the Australian Government 5% Deposit Scheme could help you buy your first home sooner. Alternatively, if you have or are intending to borrow more than $850,000, learn how you might benefit from becoming a premier customer.
NAB Defence Force Home Loans
Our NAB Defence Force Home Loan product range is available to eligible Australian Defence Force members.
NAB Premier Banking. Your partner for what’s next.
Learn what to expect as a NAB Premier Banking customer, explore investment insights and get personalised support to help you reach your financial goals.
Australian Government 5% Deposit Scheme
We're proudly supporting the Australian Government 5% Deposit Scheme. Find the information you need to buy your home as a first home buyer or single parent.
Help and support
Get the most out of your NAB home loan and discover popular help and support tasks.
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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Other important information
Information and rates are correct as at 15 May 2026 and are 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.
Personal Banking Fees - a guide to fees and charges (PDF, 146KB)
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