Our home loan variable rates are changing
Let us show you ways you can prepare for interest rate changes, manage your repayments or get support.
Understanding our rates
These are our current fixed and variable home loan interest rates for new loans for both 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. and investors. Our interest rates are NAB’s advertised indicator rates plus or minus any margins.
See also our current indicator rates (PDF, 37KB), opens in new window used to calculate our current interest rates.
Choose your loan details
Your interest rate will vary depending on a variety of factors. Choose from the options below to view the rates suitable to your situation.
Variable rate
Owner occupier
Principal and interest
Variable home loan interest rates
For more information on comparison rates please refer to our important information below.
NAB Base Variable Rate Home Loan
Interest rate |
Comparison rate |
|
|---|---|---|
Principal and interest |
6.84% p.a. |
6.88% p.a. |
NAB Tailored Home Loan - Principal and Interest - Owner Occupier
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 7.57% p.a. | 7.65% p.a. |
| 60.01% - 70% | 7.57% p.a. | 7.65% p.a. |
| 70.01% - 80% | 7.77% p.a. | 7.85% p.a. |
| 80.01% or more | 7.77% p.a. | 7.85% p.a. |
NAB Choice Package – Principal and Interest
Interest rate |
Comparison rate |
|
|---|---|---|
Loan amount of less than $250,000 |
Interest rate 8.17% p.a. |
Comparison rate 8.51% p.a. |
Loan amount of between $250,000 and $749,000 |
Interest rate 7.92% p.a. |
Comparison rate 8.27% p.a. |
Loan amount of $750,000 and above |
Interest rate 7.87% p.a. |
Comparison rate 8.22% p.a. |
Interest only
Variable home loan interest rates
For more information on comparison rates please refer to our important information below.
NAB Base Variable Rate Home Loan – Interest Only
Interest rate |
Comparison rate |
|
|---|---|---|
| Interest only | Interest rate 7.94% p.a. |
Comparison rate 7.37% p.a. |
NAB Tailored Home Loan - Interest Only - Owner Occupier
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 8.04% p.a. | 7.86% p.a. |
| 60.01% - 70% | 8.04% p.a. | 7.86% p.a. |
| 70.01% - 80% | 8.24% p.a. | 8.06% p.a. |
| 80.01% or more | 8.24% p.a. | 8.06% p.a. |
NAB Choice Package – Interest Only
Interest rate |
Comparison rate |
|
|---|---|---|
Loan amount of less than $250,000 |
Interest rate 8.74% p.a. |
Comparison rate 8.76% p.a. |
Loan amount of between $250,000 and $749,000 |
Interest rate 8.49% p.a. |
Comparison rate 8.51% p.a. |
Loan amount of $750,000 and above |
Interest rate 8.44% p.a. |
Comparison rate 8.46% p.a. |
Residential investor
Principal and interest
Variable home loan interest rates
For more information on comparison rates please refer to our important information below.
NAB Base Variable Rate Home Loan – Residential Investment
Interest rate |
Comparison rate |
|
|---|---|---|
Principal and interest |
7.36% p.a. | 7.41% p.a. |
NAB Tailored Home Loan - Principal and Interest - Residential Investor
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 8.17% p.a. | 8.25% p.a. |
| 60.01% - 70% | 8.17% p.a. | 8.25% p.a. |
| 70.01% - 80% | 8.37% p.a. | 8.45% p.a. |
| 80.01% or more | 8.37% p.a. | 8.45% p.a. |
NAB Choice Package – Principal and Interest – Residential Investment
|
Interest rate |
Comparison rate |
|---|---|---|
Loan amount of less than $250,000 |
Interest rate 8.77% p.a. |
Comparison rate 9.11% p.a. |
Loan amount of between $250,000 and $749,000 |
Interest rate 8.52% p.a. |
Comparison rate 8.86% p.a. |
Loan amount of $750,000 and above |
Interest rate 8.47% p.a. |
Comparison rate 8.81% p.a. |
Interest only
Variable home loan interest rates
For more information on comparison rates please refer to our important information below.
NAB Base Variable Rate Home Loan – Residential Investment – Interest Only
Interest rate |
Comparison rate |
|
|---|---|---|
Interest Only |
8.27% p.a. | 7.81% p.a. |
NAB Tailored Home Loan - Interest only - Residential Investor
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 8.37% p.a. | 8.34% p.a. |
| 60.01% - 70% | 8.37% p.a. | 8.34% p.a. |
| 70.01% - 80% | 8.57% p.a. | 8.54% p.a. |
| 80.01% or more | 8.57% p.a. | 8.54% p.a. |
NAB Choice Package – Interest Only – Residential Investment
|
Interest rate |
Comparison rate |
|---|---|---|
Loan amount of less than $250,000 |
Interest rate 9.07% p.a. |
Comparison rate 9.23% p.a. |
Loan amount of between $250,000 and $749,000 |
Interest rate 8.82% p.a. |
Comparison rate 8.98% p.a. |
Loan amount of $750,000 and above |
Interest rate 8.77% p.a. |
Comparison rate 8.93% p.a. |
Fixed rate
Owner occupier
Principal and interest
Fixed home loan interest rates
For more information on comparison rates please refer to our important information below.
If you’re looking for Overseas Borrower and SMSF Fixed Rates please see the important information below.
NAB Tailored Home Loan - Principal and Interest - Owner Occupier
1-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.69% p.a. | 7.56% p.a. |
| 60.01% - 70% | 6.69% p.a. | 7.56% p.a. |
| 70.01% - 80% | 6.74% p.a. | 7.74% p.a. |
| 80.01% or more | 6.74% p.a. | 7.74% p.a. |
2-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.59% p.a. | 7.45% p.a. |
| 60.01% - 70% | 6.59% p.a. | 7.45% p.a. |
| 70.01% - 80% | 6.64% p.a. | 7.62% p.a. |
| 80.01% or more | 6.64% p.a. | 7.62% p.a. |
3-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.59% p.a. | 7.36% p.a. |
| 60.01% - 70% | 6.59% p.a. | 7.36% p.a. |
| 70.01% - 80% | 6.64% p.a. | 7.52% p.a. |
| 80.01% or more | 6.64% p.a. | 7.52% p.a. |
4-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.34% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.34% p.a. |
| 70.01% - 80% | 6.79% p.a. | 7.48% p.a. |
| 80.01% or more | 6.79% p.a. | 7.48% p.a. |
5-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.79% p.a. | 7.30% p.a. |
| 60.01% - 70% | 6.79% p.a. | 7.30% p.a. |
| 70.01% - 80% | 6.84% p.a. | 7.43% p.a. |
| 80.01% or more | 6.84% p.a. | 7.43% p.a. |
NAB Choice Package – Principal and Interest
| Interest rate | Comparison rate | |
|---|---|---|
| 1-year period | Interest rate 6.69% p.a. |
Comparison rate
8.35% p.a. |
| 2-year period | Interest rate 6.59% p.a. |
Comparison rate
8.18% p.a. |
| 3-year period | Interest rate 6.59% p.a. |
Comparison rate
8.04% p.a. |
| 4-year period | Interest rate 6.74% p.a. |
Comparison rate
7.96% p.a. |
| 5-year period | Interest rate 6.79% p.a. |
Comparison rate
7.88% p.a. |
Interest only
Fixed home loan interest rates
For more information on comparison rates please refer to our important information below.
If you’re looking for Overseas Borrower and SMSF Fixed Rates please see the important information below.
NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier
1-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.89% p.a. | 7.74% p.a. |
| 60.01% - 70% | 6.89% p.a. | 7.74% p.a. |
| 70.01% - 80% | 6.94% p.a. | 7.92% p.a. |
| 80.01% or more | 6.94% p.a. | 7.92% p.a. |
2-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.84% p.a. | 7.62% p.a. |
| 60.01% - 70% | 6.84% p.a. | 7.62% p.a. |
| 70.01% - 80% | 6.89% p.a. | 7.79% p.a. |
| 80.01% or more | 6.89% p.a. | 7.79% p.a. |
3-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.84% p.a. | 7.51% p.a. |
| 60.01% - 70% | 6.84% p.a. | 7.51% p.a. |
| 70.01% - 80% | 6.89% p.a. | 7.67% p.a. |
| 80.01% or more | 6.89% p.a. | 7.67% p.a. |
4-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.89% p.a. | 7.43% p.a. |
| 60.01% - 70% | 6.89% p.a. | 7.43% p.a. |
| 70.01% - 80% | 6.94% p.a. | 7.58% p.a. |
| 80.01% or more | 6.94% p.a. | 7.58% p.a. |
5-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 7.09% p.a. | 7.43% p.a. |
| 60.01% - 70% | 7.09% p.a. | 7.43% p.a. |
| 70.01% - 80% | 7.14% p.a. | 7.57% p.a. |
| 80.01% or more | 7.14% p.a. | 7.57% p.a. |
NAB Tailored Home Loan - Interest Only in Advance - Share Investment - Owner Occupier
1-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.79% p.a. | 7.76% p.a. |
| 60.01% - 70% | 6.79% p.a. | 7.76% p.a. |
| 70.01% - 80% | 6.84% p.a. | 7.94% p.a. |
| 80.01% or more | 6.84% p.a. | 7.94% p.a. |
2-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.65% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.65% p.a. |
| 70.01% - 80% | 6.79% p.a. | 7.83% p.a. |
| 80.01% or more | 6.79% p.a. | 7.83% p.a. |
3-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.56% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.56% p.a. |
| 70.01% - 80% | 6.79% p.a. | 7.72% p.a. |
| 80.01% or more | 6.79% p.a. | 7.72% p.a. |
4-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.79% p.a. | 7.50% p.a. |
| 60.01% - 70% | 6.79% p.a. | 7.50% p.a. |
| 70.01% - 80% | 6.84% p.a. | 7.65% p.a. |
| 80.01% or more | 6.84% p.a. | 7.65% p.a. |
5-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.99% p.a. | 7.52% p.a. |
| 60.01% - 70% | 6.99% p.a. | 7.52% p.a. |
| 70.01% - 80% | 7.04% p.a. | 7.65% p.a. |
| 80.01% or more | 7.04% p.a. | 7.65% p.a. |
NAB Choice Package – Interest Only in Arrears
| Interest rate | Comparison rate | |
|---|---|---|
| 1-year period | Interest rate 6.89% p.a. |
Comparison rate
8.56% p.a. |
| 2-year period | Interest rate 6.84% p.a. |
Comparison rate
8.36% p.a. |
| 3-year period | Interest rate 6.84% p.a. |
Comparison rate
8.19% p.a. |
| 4-year period | Interest rate 6.89% p.a. |
Comparison rate
8.06% p.a. |
| 5-year period | Interest rate 7.09% p.a. |
Comparison rate
8.01% p.a. |
NAB Choice Package – Interest Only in Advance – Share Investment
| Interest rate | Comparison rate | |
|---|---|---|
| 1-year period | Interest rate 6.79% p.a. |
Comparison rate
8.58% p.a. |
| 2-year period | Interest rate 6.74% p.a. |
Comparison rate
8.41% p.a. |
| 3-year period | Interest rate 6.74% p.a. |
Comparison rate
8.25% p.a. |
| 4-year period | Interest rate 6.79% p.a. |
Comparison rate
8.13% p.a. |
| 5-year period | Interest rate 6.99% p.a. |
Comparison rate
8.10% p.a. |
NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears
The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers.
| Interest rate | |
|---|---|
| 1-year period | Interest rate 7.04% p.a. |
| 2-year period | Interest rate 6.94% p.a. |
| 3-year period | Interest rate 6.94% p.a. |
| 4-year period | Interest rate 7.14% p.a. |
| 5-year period | Interest rate 7.19% p.a. |
NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment
The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers.
| Interest rate | |
|---|---|
| 1-year period | Interest rate 6.94% p.a. |
| 2-year period | Interest rate 6.84% p.a. |
| 3-year period | Interest rate 6.84% p.a. |
| 4-year period | Interest rate 7.04% p.a. |
| 5-year period | Interest rate 7.09% p.a. |
Residential investor
Principal and interest
Fixed home loan interest rates
For more information on comparison rates please refer to our important information below.
If you’re looking for Overseas Borrower and SMSF Fixed Rates please see the important information below.
NAB Tailored Home Loan - Principal and Interest - Residential Investor
1-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.84% p.a. | 8.10% p.a. |
| 60.01% - 70% | 6.84% p.a. | 8.10% p.a. |
| 70.01% - 80% | 6.89% p.a. | 8.28% p.a. |
| 80.01% or more | 6.89% p.a. | 8.28% p.a. |
2-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.95% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.95% p.a. |
| 70.01% - 80% | 6.79% p.a. | 8.11% p.a. |
| 80.01% or more | 6.79% p.a. | 8.11% p.a. |
3-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.82% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.82% p.a. |
| 70.01% - 80% | 6.79% p.a. | 7.97% p.a. |
| 80.01% or more | 6.79% p.a. | 7.97% p.a. |
4-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.84% p.a. | 7.74% p.a. |
| 60.01% - 70% | 6.84% p.a. | 7.74% p.a. |
| 70.01% - 80% | 6.89% p.a. | 7.88% p.a. |
| 80.01% or more | 6.89% p.a. | 7.88% p.a. |
5-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.89% p.a. | 7.67% p.a. |
| 60.01% - 70% | 6.89% p.a. | 7.67% p.a. |
| 70.01% - 80% | 6.94% p.a. | 7.79% p.a. |
| 80.01% or more | 6.94% p.a. | 7.79% p.a. |
NAB Choice Package – Principal and Interest – Residential Investment
| Interest rate | Comparison rate | |
|---|---|---|
| 1-year period | Interest rate 6.84% p.a. |
Comparison rate
8.89% p.a. |
| 2-year period | Interest rate 6.74% p.a. |
Comparison rate
8.67% p.a. |
| 3-year period | Interest rate 6.74% p.a. |
Comparison rate
8.48% p.a. |
| 4-year period | Interest rate 6.84% p.a. |
Comparison rate
8.36% p.a. |
| 5-year period | Interest rate 6.89% p.a. |
Comparison rate
8.24% p.a. |
Interest only
Fixed home loan interest rates
For more information on comparison rates please refer to our important information below.
If you’re looking for Overseas Borrower and SMSF Fixed Rates please see the important information below.
NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor
1-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.94% p.a. | 8.18% p.a. |
| 60.01% - 70% | 6.94% p.a. | 8.18% p.a. |
| 70.01% - 80% | 6.99% p.a. | 8.37% p.a. |
| 80.01% or more | 6.99% p.a. | 8.37% p.a. |
2-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.84% p.a. | 8.03% p.a. |
| 60.01% - 70% | 6.84% p.a. | 8.03% p.a. |
| 70.01% - 80% | 6.89% p.a. | 8.19% p.a. |
| 80.01% or more | 6.89% p.a. | 8.19% p.a. |
3-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.84% p.a. | 7.89% p.a. |
| 60.01% - 70% | 6.84% p.a. | 7.89% p.a. |
| 70.01% - 80% | 6.89% p.a. | 8.05% p.a. |
| 80.01% or more | 6.89% p.a. | 8.05% p.a. |
4-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 7.04% p.a. | 7.84% p.a. |
| 60.01% - 70% | 7.04% p.a. | 7.84% p.a. |
| 70.01% - 80% | 7.09% p.a. | 7.98% p.a. |
| 80.01% or more | 7.09% p.a. | 7.98% p.a. |
5-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 7.09% p.a. | 7.76% p.a. |
| 60.01% - 70% | 7.09% p.a. | 7.76% p.a. |
| 70.01% - 80% | 7.14% p.a. | 7.90% p.a. |
| 80.01% or more | 7.14% p.a. | 7.90% p.a. |
NAB Tailored Home Loan - Interest Only in Advance - Residential Investor
1-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.84% p.a. | 8.21% p.a. |
| 60.01% - 70% | 6.84% p.a. | 8.21% p.a. |
| 70.01% - 80% | 6.89% p.a. | 8.39% p.a. |
| 80.01% or more | 6.89% p.a. | 8.39% p.a. |
2-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 8.07% p.a. |
| 60.01% - 70% | 6.74% p.a. | 8.07% p.a. |
| 70.01% - 80% | 6.79% p.a. | 8.24% p.a. |
| 80.01% or more | 6.79% p.a. | 8.24% p.a. |
3-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.95% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.95% p.a. |
| 70.01% - 80% | 6.79% p.a. | 8.10% p.a. |
| 80.01% or more | 6.79% p.a. | 8.10% p.a. |
4-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.94% p.a. | 7.92% p.a. |
| 60.01% - 70% | 6.94% p.a. | 7.92% p.a. |
| 70.01% - 80% | 6.99% p.a. | 8.06% p.a. |
| 80.01% or more | 6.99% p.a. | 8.06% p.a. |
5-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.99% p.a. | 7.90% p.a. |
| 60.01% - 70% | 6.99% p.a. | 7.90% p.a. |
| 70.01% - 80% | 7.04% p.a. | 8.03% p.a. |
| 80.01% or more | 7.04% p.a. | 8.03% p.a. |
NAB Tailored Home Loan - Interest Only in Advance - Share Investment - Residential Investor
1-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.79% p.a. | 7.76% p.a. |
| 60.01% - 70% | 6.79% p.a. | 7.76% p.a. |
| 70.01% - 80% | 6.84% p.a. | 7.94% p.a. |
| 80.01% or more | 6.84% p.a. | 7.94% p.a. |
2-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.65% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.65% p.a. |
| 70.01% - 80% | 6.79% p.a. | 7.83% p.a. |
| 80.01% or more | 6.79% p.a. | 7.83% p.a. |
3-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.74% p.a. | 7.56% p.a. |
| 60.01% - 70% | 6.74% p.a. | 7.56% p.a. |
| 70.01% - 80% | 6.79% p.a. | 7.72% p.a. |
| 80.01% or more | 6.79% p.a. | 7.72% p.a. |
4-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.79% p.a. | 7.50% p.a. |
| 60.01% - 70% | 6.79% p.a. | 7.50% p.a. |
| 70.01% - 80% | 6.84% p.a. | 7.65% p.a. |
| 80.01% or more | 6.84% p.a. | 7.65% p.a. |
5-year fixed period
| Loan to Value Ratio (LVR) | Interest rate | Comparison rate |
|---|---|---|
| 60% or less | 6.99% p.a. | 7.52% p.a. |
| 60.01% - 70% | 6.99% p.a. | 7.52% p.a. |
| 70.01% - 80% | 7.04% p.a. | 7.65% p.a. |
| 80.01% or more | 7.04% p.a. | 7.65% p.a. |
NAB Choice Package – Interest Only in Arrears – Residential Investment
| Interest rate | Comparison rate | |
|---|---|---|
| 1-year period | Interest rate 6.94% p.a. |
Comparison rate
8.99% p.a. |
| 2-year period | Interest rate 6.84% p.a. |
Comparison rate
8.76% p.a. |
| 3-year period | Interest rate 6.84% p.a. |
Comparison rate
8.56% p.a. |
| 4-year period | Interest rate 7.04% p.a. |
Comparison rate
8.46% p.a. |
| 5-year period | Interest rate 7.09% p.a. |
Comparison rate
8.33% p.a. |
NAB Choice Package – Interest Only in Advance – Residential Investment
| Interest rate | Comparison rate | |
|---|---|---|
| 1-year period | Interest rate 6.84% p.a. |
Comparison rate
9.02% p.a. |
| 2-year period | Interest rate 6.74% p.a. |
Comparison rate
8.81% p.a. |
| 3-year period | Interest rate 6.74% p.a. |
Comparison rate
8.63% p.a. |
| 4-year period | Interest rate 6.94% p.a. |
Comparison rate
8.54% p.a. |
| 5-year period | Interest rate 6.99% p.a. |
Comparison rate
8.43% p.a. |
NAB Choice Package – Interest Only in Advance – Share Investment
| Interest rate | Comparison rate | |
|---|---|---|
| 1-year period | Interest rate 6.79% p.a. |
Comparison rate
8.58% p.a. |
| 2-year period | Interest rate 6.74% p.a. |
Comparison rate
8.41% p.a. |
| 3-year period | Interest rate 6.74% p.a. |
Comparison rate
8.25% p.a. |
| 4-year period | Interest rate 6.79% p.a. |
Comparison rate
8.13% p.a. |
| 5-year period | Interest rate 6.99% p.a. |
Comparison rate
8.10% p.a. |
NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears
The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers.
| Interest rate | |
|---|---|
| 1-year period | Interest rate 7.04% p.a. |
| 2-year period | Interest rate 6.94% p.a. |
| 3-year period | Interest rate 6.94% p.a. |
| 4-year period | Interest rate 7.14% p.a. |
| 5-year period | Interest rate 7.19% p.a. |
NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment
The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers.
| Interest rate | |
|---|---|
| 1-year period | Interest rate 6.94% p.a. |
| 2-year period | Interest rate 6.84% p.a. |
| 3-year period | Interest rate 6.84% p.a. |
| 4-year period | Interest rate 7.04% p.a. |
| 5-year period | Interest rate 7.09% p.a. |
Speak to a home loan expert
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Get the flexibility you need with our lines of credit
Access credit for specific purposes with one of our flexible lines of credit.
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NAB FlexiPlus Mortgage Facility
View the relevant interest rate for the type of mortgage product. This type of credit is restricted to bridging purposes only.
| Interest rate | |
|---|---|
| FlexiPlus Mortgage | 9.86% p.a. |
| FlexiPlus Mortgage – Choice Package | 9.71% p.a. |
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NAB Portfolio Facility or NAB Private Portfolio Facility – variable rate
The variable rates for our portfolio facility will depend on the loan amount. This type of credit is no longer available to personal banking customers.
| Loan amount | Interest rate |
|---|---|
| Between $250,000 and $499,999 | 9.28% p.a. |
| Between $500,000 and $999,999 | 9.18% p.a. |
| $1,000,000 and above | 9.08% p.a. |
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Help and support
Get the most out of your NAB home loan and discover popular help and support tasks.
Tools and calculators
No matter what your situation – whether you’re buying your first home or investing in a new property – we have a variety of tools and calculators to help you get organised.
How we define some important words
You might also call it a glossary, definitions or a list of important words and phrases. Either way, this section helps you make sense of our interest rates.
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Refers to a rate used as a base for calculating an interest rate being described in our loan contracts as our “advertised” rate.
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Refers to the interest rate charged on individual loan products. The interest rates shown here are our current standard rates and don’t include special rates you might be eligible for. The interest rate is the advertised indicator rate for the home loan plus or minus any margins.
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Refers to a single figure that includes our current standard interest rate for the loan plus certain standard fees and charges (not all fees and charges are included). This is to help you compare the cost of loans.
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This includes purchasing, refinancing or renovating a residential investment property.
Contact us for home loan related queries
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Customer Support Tool
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Terms and Conditions
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