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.

Also see the current indicator rates (PDF, 41KB), opens in new window a home loan expert uses to calculate our current interest rates.

See our full list of home loan 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.

Remember to consider your loan to value ratio (LVR). Your LVR is the amount you're borrowing, as a percentage of the value of the property you’re buying.

Select rate type

Variable rate

Select loan type

Owner occupier

Select repayment type

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

Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan.
 

Interest rate

Comparison rate

Principal and interest

5.94% p.a.

5.98% p.a.

Learn more about the NAB Base Variable Rate Home Loan

NAB Tailored Home Loan - Principal and Interest - Owner Occupier

NAB Tailored Home Loan (Variable, Owner Occupier, Principal and Interest)
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.29% p.a. 6.38% p.a.
60.01% - 70% 6.29% p.a. 6.38% p.a.
70.01% - 80% 6.49% p.a. 6.58% p.a.
80.01% or more 6.49% p.a. 6.58% p.a.

Learn more about the variable rate with offset NAB Tailored Home Loan

NAB Choice Package – Principal and Interest

Table of interest rates for different home loan amounts with a NAB Choice Package – Principal and Interest.
 

Interest rate

Comparison rate

Loan amount of less than $250,000

Interest rate

7.67% p.a.

Comparison rate

8.02% p.a.

Loan amount of between $250,000 and $749,000

Interest rate

7.42% p.a.

Comparison rate

7.77% p.a.

Loan amount of $750,000 and above

Interest rate

7.37% p.a.

Comparison rate

7.72% p.a.

Learn more about the NAB Choice Package – Principal and Interest

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

Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan.
 

Interest rate

Comparison rate

Interest only

Interest rate

6.84% p.a.

Comparison rate

6.36% p.a.

Learn more about the NAB Base Variable Rate Home Loan

NAB Tailored Home Loan - Interest Only - Owner Occupier

NAB Tailored Home Loan (Variable, Owner Occupier, Interest Only)
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.76% p.a. 6.57% p.a.
60.01% - 70% 6.76% p.a. 6.57% p.a.
70.01% - 80% 6.96% p.a. 6.77% p.a.
80.01% or more 6.96% p.a. 6.77% p.a.

Learn more about the variable rate with offset NAB Tailored Home Loan

NAB Choice Package – Interest Only

Table of interest rates for different home loan amounts with a NAB Choice Package – Interest Only.
 

Interest rate

Comparison rate

Loan amount of less than $250,000

Interest rate

8.24% p.a.

Comparison rate

8.26% p.a.

Loan amount of between $250,000 and $749,000

Interest rate

7.99% p.a.

Comparison rate

8.01% p.a.

Loan amount of $750,000 and above

Interest rate

7.94% p.a.

Comparison rate

7.96% p.a.

Learn more about the NAB Choice Package – Interest Only

Residential investor

Select repayment type

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

Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan – Residential Investment.
 

Interest rate

Comparison rate

Principal and interest

 6.46% p.a. 6.50% p.a.

Learn more about the NAB Base Variable Rate Home Loan

NAB Tailored Home Loan - Principal and Interest - Residential Investor

NAB Tailored Home Loan (Variable, Residential Investor, Principal and Interest)
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.59% p.a. 6.67% p.a.
60.01% - 70% 6.59% p.a. 6.67% p.a.
70.01% - 80% 6.79% p.a. 6.87% p.a.
80.01% or more 6.79% p.a. 6.87% p.a.

Learn more about the variable rate with offset NAB Tailored Home Loan

NAB Choice Package – Principal and Interest – Residential Investment

Table of interest rates for different home loan amounts with a NAB Choice Package – Principal and Interest ---Residential Investors.

 

Interest rate

Comparison rate

Loan amount of less than $250,000 

Interest rate

8.27% p.a.

Comparison rate

8.61% p.a.

Loan amount of between $250,000 and $749,000

Interest rate

8.02% p.a.

Comparison rate

8.36% p.a.

Loan amount of $750,000 and above

Interest rate

7.97% p.a.

Comparison rate

8.31% p.a.

Learn more about the NAB Choice Package – Principal and Interest

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

Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan – Residential Investment.
 

Interest rate

Comparison rate

Interest Only

7.17% p.a. 6.81% p.a.

Learn more about the NAB Base Variable Rate Home Loan

NAB Tailored Home Loan - Interest only - Residential Investor

NAB Tailored Home Loan (Variable, Residential Investor, Interest Only)
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.79% p.a. 6.76% p.a.
60.01% - 70% 6.79% p.a. 6.76% p.a.
70.01% - 80% 6.99% p.a. 6.96% p.a.
80.01% or more 6.99% p.a. 6.96% p.a.

Learn more about the variable rate with offset NAB Tailored Home Loan

NAB Choice Package – Interest Only – Residential Investment

 

Table of interest rates for different home loan amounts with a NAB Choice Package – Interest Only – Residential Investment.

 

Interest rate

Comparison rate

Loan amount of less than $250,000 

Interest rate

8.57% p.a.

Comparison rate

8.73% p.a.

Loan amount of between $250,000 and $749,000

Interest rate

8.32% p.a.

Comparison rate

8.48% p.a.

Loan amount of $750,000 and above

Interest rate

8.27% p.a.

Comparison rate

8.43% p.a.

Learn more about the NAB Choice Package – Interest Only

Fixed rate

Select loan type

Owner occupier

Select repayment type

Principal and interest

Fixed home loan interest rates

For more information on comparison rates please refer to our important information below.

NAB Tailored Home Loan - Principal and Interest - Owner Occupier

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.54% p.a. 6.30% p.a.
60.01% - 70% 5.54% p.a. 6.30% p.a.
70.01% - 80% 5.54% p.a. 6.48% p.a.
80.01% or more 5.64% p.a. 6.49% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.44% p.a. 6.21% p.a.
60.01% - 70% 5.44% p.a. 6.21% p.a.
70.01% - 80% 5.44% p.a. 6.37% p.a.
80.01% or more 5.54% p.a. 6.39% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.39% p.a. 6.12% p.a.
60.01% - 70% 5.39% p.a. 6.12% p.a.
70.01% - 80% 5.39% p.a. 6.26% p.a.
80.01% or more 5.49% p.a. 6.29% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.79% p.a. 6.19% p.a.
60.01% - 70% 5.79% p.a. 6.19% p.a.
70.01% - 80% 5.79% p.a. 6.32% p.a.
80.01% or more 5.89% p.a. 6.36% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.79% p.a. 6.16% p.a.
60.01% - 70% 5.79% p.a. 6.16% p.a.
70.01% - 80% 5.79% p.a. 6.27% p.a.
80.01% or more 5.89% p.a. 6.31% p.a.

Learn more about the fixed rate NAB Tailored Home Loan

NAB Choice Package – Principal and Interest

Table of fixed interest rates for our NAB Choice Package – Principal and Interest.
  Interest rate Comparison rate
1-year period
Interest rate
5.54% p.a.
Comparison rate
7.79% p.a.
2-year period
Interest rate
5.44% p.a.
Comparison rate
7.56% p.a.
3-year period
Interest rate
5.39% p.a.
Comparison rate
7.35% p.a.
4-year period
Interest rate
5.79% p.a.
Comparison rate
7.31% p.a.
5-year period
Interest rate
5.79% p.a.
Comparison rate
7.18% p.a.

Learn more about the NAB Choice Package – Principal and Interest

Interest only

Fixed home loan interest rates

For more information on comparison rates please refer to our important information below.

NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.09% p.a. 6.51% p.a.
60.01% - 70% 6.09% p.a. 6.51% p.a.
70.01% - 80% 6.09% p.a. 6.69% p.a.
80.01% or more 6.19% p.a. 6.70% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.43% p.a.
60.01% - 70% 5.99% p.a. 6.43% p.a.
70.01% - 80% 5.99% p.a. 6.59% p.a.
80.01% or more 6.09% p.a. 6.61% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.36% p.a.
60.01% - 70% 5.99% p.a. 6.36% p.a.
70.01% - 80% 5.99% p.a. 6.51% p.a.
80.01% or more 6.09% p.a. 6.53% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.29% p.a. 6.40% p.a.
60.01% - 70% 6.29% p.a. 6.40% p.a.
70.01% - 80% 6.29% p.a. 6.53% p.a.
80.01% or more 6.39% p.a. 6.57% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.29% p.a. 6.37% p.a.
60.01% - 70% 6.29% p.a. 6.37% p.a.
70.01% - 80% 6.29% p.a. 6.48% p.a.
80.01% or more 6.39% p.a. 6.53% p.a.

Learn more about the fixed rate NAB Tailored Home Loan

NAB Tailored Home Loan - Interest Only in Advance - Share Investment - Owner Occupier

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.52% p.a.
60.01% - 70% 5.99% p.a. 6.52% p.a.
70.01% - 80% 5.99% p.a. 6.70% p.a.
80.01% or more 6.09% p.a. 6.71% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.89% p.a. 6.45% p.a.
60.01% - 70% 5.89% p.a. 6.45% p.a.
70.01% - 80% 5.89% p.a. 6.61% p.a.
80.01% or more 5.99% p.a. 6.63% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.89% p.a. 6.39% p.a.
60.01% - 70% 5.89% p.a. 6.39% p.a.
70.01% - 80% 5.89% p.a. 6.54% p.a.
80.01% or more 5.99% p.a. 6.56% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.19% p.a. 6.45% p.a.
60.01% - 70% 6.19% p.a. 6.45% p.a.
70.01% - 80% 6.19% p.a. 6.58% p.a.
80.01% or more 6.29% p.a. 6.61% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.19% p.a. 6.42% p.a.
60.01% - 70% 6.19% p.a. 6.42% p.a.
70.01% - 80% 6.19% p.a. 6.54% p.a.
80.01% or more 6.29% p.a. 6.58% p.a.

Learn more about the fixed rate NAB Tailored Home Loan

NAB Choice Package – Interest Only in Arrears

Table of fixed interest rates for our NAB Choice Package – Interest Only in Arrears.
  Interest rate Comparison rate
1-year period
Interest rate
6.09% p.a.
Comparison rate
8.03% p.a.
2-year period
Interest rate
5.99% p.a.
Comparison rate
7.80% p.a.
3-year period
Interest rate
5.99% p.a.
Comparison rate
7.61% p.a.
4-year period
Interest rate
6.29% p.a.
Comparison rate
7.54% p.a.
5-year period
Interest rate
6.29% p.a.
Comparison rate
7.39% p.a.

Learn more about the NAB Choice Package – Interest Only in Arrears

NAB Choice Package – Interest Only in Advance – Share Investment

Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance.
  Interest rate Comparison rate
1-year period
Interest rate
5.99% p.a.
Comparison rate
8.05% p.a.
2-year period
Interest rate
5.89% p.a.
Comparison rate
7.83% p.a.
3-year period
Interest rate
5.89% p.a.
Comparison rate
7.65% p.a.
4-year period
Interest rate
6.19% p.a.
Comparison rate
7.59% p.a.
5-year period
Interest rate
6.19% p.a.
Comparison rate
7.46% p.a.

Learn more about the NAB Choice Package – Interest Only in Advance – Share Investment

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.

Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest only in Arrears
  Interest rate
1-year period
Interest rate
5.94% p.a.
2-year period
Interest rate
5.84% p.a.
3-year period
Interest rate
5.84% p.a.
4-year period
Interest rate
6.24% p.a.
5-year period
Interest rate
6.24% p.a.

Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears

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.

Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment.
  Interest rate
1-year period
Interest rate
5.84% p.a.
2-year period
Interest rate
5.74% p.a.
3-year period
Interest rate
5.74% p.a.
4-year period
Interest rate
6.14% p.a.
5-year period
Interest rate
6.14% p.a.

Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment

Residential investor

Select repayment type

Principal and interest

Fixed home loan interest rates

For more information on comparison rates please refer to our important information below.

NAB Tailored Home Loan - Principal and Interest - Residential Investor

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.69% p.a. 6.58% p.a.
60.01% - 70% 5.69% p.a. 6.58% p.a.
70.01% - 80% 5.69% p.a. 6.76% p.a.
80.01% or more 5.79% p.a. 6.77% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.59% p.a. 6.48% p.a.
60.01% - 70% 5.59% p.a. 6.48% p.a.
70.01% - 80% 5.59% p.a. 6.63% p.a.
80.01% or more 5.69% p.a. 6.65% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.59% p.a. 6.39% p.a.
60.01% - 70% 5.59% p.a. 6.39% p.a.
70.01% - 80% 5.59% p.a. 6.53% p.a.
80.01% or more 5.69% p.a. 6.56% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.46% p.a.
60.01% - 70% 5.99% p.a. 6.46% p.a.
70.01% - 80% 5.99% p.a. 6.58% p.a.
80.01% or more 6.09% p.a. 6.62% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.41% p.a.
60.01% - 70% 5.99% p.a. 6.41% p.a.
70.01% - 80% 5.99% p.a. 6.52% p.a.
80.01% or more 6.09% p.a. 6.57% p.a.

Learn more about the fixed rate NAB Tailored Home Loan

NAB Choice Package – Principal and Interest – Residential Investment

Table of interest rates for different home loans with a NAB Choice Package – Principal and Interest – Residential Investment.
  Interest rate Comparison rate
1-year period
Interest rate
5.69% p.a.
Comparison rate
8.32% p.a.
2-year period
Interest rate
5.59% p.a.
Comparison rate
8.05% p.a.
3-year period
Interest rate
5.59% p.a.
Comparison rate
7.81% p.a.
4-year period
Interest rate
5.99% p.a.
Comparison rate
7.75% p.a.
5-year period
Interest rate
5.99% p.a.
Comparison rate
7.58% p.a.

Learn more about the NAB Choice Package – Principal and Interest – Residential Investment

Interest only

Fixed home loan interest rates

For more information on comparison rates please refer to our important information below.

NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.79% p.a. 6.66% p.a.
60.01% - 70% 5.79% p.a. 6.66% p.a.
70.01% - 80% 5.79% p.a. 6.84% p.a.
80.01% or more 5.89% p.a. 6.85% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.69% p.a. 6.55% p.a.
60.01% - 70% 5.69% p.a. 6.55% p.a.
70.01% - 80% 5.69% p.a. 6.71% p.a.
80.01% or more 5.79% p.a. 6.73% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.69% p.a. 6.46% p.a.
60.01% - 70% 5.69% p.a. 6.46% p.a.
70.01% - 80% 5.69% p.a. 6.60% p.a.
80.01% or more 5.79% p.a. 6.63% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.09% p.a. 6.51% p.a.
60.01% - 70% 6.09% p.a. 6.51% p.a.
70.01% - 80% 6.09% p.a. 6.64% p.a.
80.01% or more 6.19% p.a. 6.67% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.09% p.a. 6.46% p.a.
60.01% - 70% 6.09% p.a. 6.46% p.a.
70.01% - 80% 6.09% p.a. 6.57% p.a.
80.01% or more 6.19% p.a. 6.61% p.a.

Learn more about the fixed rate NAB Tailored Home Loan

NAB Tailored Home Loan - Interest Only in Advance - Residential Investor

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.69% p.a. 6.67% p.a.
60.01% - 70% 5.69% p.a. 6.67% p.a.
70.01% - 80% 5.69% p.a. 6.85% p.a.
80.01% or more 5.79% p.a. 6.86% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.59% p.a. 6.57% p.a.
60.01% - 70% 5.59% p.a. 6.57% p.a.
70.01% - 80% 5.59% p.a. 6.73% p.a.
80.01% or more 5.69% p.a. 6.75% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.59% p.a. 6.48% p.a.
60.01% - 70% 5.59% p.a. 6.48% p.a.
70.01% - 80% 5.59% p.a. 6.63% p.a.
80.01% or more 5.69% p.a. 6.66% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.55% p.a.
60.01% - 70% 5.99% p.a. 6.55% p.a.
70.01% - 80% 5.99% p.a. 6.68% p.a.
80.01% or more 6.09% p.a. 6.71% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.54% p.a.
60.01% - 70% 5.99% p.a. 6.54% p.a.
70.01% - 80% 5.99% p.a. 6.66% p.a.
80.01% or more 6.09% p.a. 6.70% p.a.

Learn more about the fixed rate NAB Tailored Home Loan

NAB Tailored Home Loan - Interest Only in Advance - Share Investment - Residential Investor

1-year fixed period

1-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.99% p.a. 6.52% p.a.
60.01% - 70% 5.99% p.a. 6.52% p.a.
70.01% - 80% 5.99% p.a. 6.70% p.a.
80.01% or more 6.09% p.a. 6.71% p.a.

2-year fixed period

2-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.89% p.a. 6.45% p.a.
60.01% - 70% 5.89% p.a. 6.45% p.a.
70.01% - 80% 5.89% p.a. 6.61% p.a.
80.01% or more 5.99% p.a. 6.63% p.a.

3-year fixed period

3-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 5.89% p.a. 6.39% p.a.
60.01% - 70% 5.89% p.a. 6.39% p.a.
70.01% - 80% 5.89% p.a. 6.54% p.a.
80.01% or more 5.99% p.a. 6.56% p.a.

4-year fixed period

4-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.19% p.a. 6.45% p.a.
60.01% - 70% 6.19% p.a. 6.45% p.a.
70.01% - 80% 6.19% p.a. 6.58% p.a.
80.01% or more 6.29% p.a. 6.61% p.a.

5-year fixed period

5-year fixed period
Loan to Value Ratio (LVR) Interest rate Comparison rate
60% or less 6.19% p.a. 6.42% p.a.
60.01% - 70% 6.19% p.a. 6.42% p.a.
70.01% - 80% 6.19% p.a. 6.54% p.a.
80.01% or more 6.29% p.a. 6.58% p.a.

Learn more about the fixed rate NAB Tailored Home Loan

NAB Choice Package – Interest Only in Arrears – Residential Investment

Table of fixed interest rates for our NAB Choice Package – Interest Only in Arrears – Residential Investment.
  Interest rate Comparison rate
1-year period
Interest rate
5.79% p.a.
Comparison rate
8.43% p.a.
2-year period
Interest rate
5.69% p.a.
Comparison rate
8.14% p.a.
3-year period
Interest rate
5.69% p.a.
Comparison rate
7.90% p.a.
4-year period
Interest rate
6.09% p.a.
Comparison rate
7.81% p.a.
5-year period
Interest rate
6.09% p.a.
Comparison rate
7.63% p.a.

Learn more about the NAB Choice Package – Interest Only in Arrears – Residential Investment

NAB Choice Package – Interest Only in Advance – Residential Investment

Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance – Residential Investment.
  Interest rate Comparison rate
1-year period
Interest rate
5.69% p.a.
Comparison rate
8.45% p.a.
2-year period
Interest rate
5.59% p.a.
Comparison rate
8.17% p.a.
3-year period
Interest rate
5.59% p.a.
Comparison rate
7.94% p.a.
4-year period
Interest rate
5.99% p.a.
Comparison rate
7.87% p.a.
5-year period
Interest rate
5.99% p.a.
Comparison rate
7.70% p.a.

Learn more about the NAB Choice Package – Interest Only in Advance – Residential Investment

NAB Choice Package – Interest Only in Advance – Share Investment

Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance – Share Investment
  Interest rate Comparison rate
1-year period
Interest rate
5.99% p.a.
Comparison rate
8.05% p.a.
2-year period
Interest rate
5.89% p.a.
Comparison rate
7.83% p.a.
3-year period
Interest rate
5.89% p.a.
Comparison rate
7.65% p.a.
4-year period
Interest rate
6.19% p.a.
Comparison rate
7.59% p.a.
5-year period
Interest rate
6.19% p.a.
Comparison rate
7.46% p.a.

Learn more about the NAB Choice Package – Interest Only in Advance – Share Investment

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.

Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest only in Arrears
  Interest rate
1-year period
Interest rate
5.94% p.a.
2-year period
Interest rate
5.84% p.a.
3-year period
Interest rate
5.84% p.a.
4-year period
Interest rate
6.24% p.a.
5-year period
Interest rate
6.24% p.a.

Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears

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.

Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment.
  Interest rate
1-year period
Interest rate
5.84% p.a.
2-year period
Interest rate
5.74% p.a.
3-year period
Interest rate
5.74% p.a.
4-year period
Interest rate
6.14% p.a.
5-year period
Interest rate
6.14% p.a.

Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment

Speak to a home loan expert

Book an appointment to speak with one of our experts via phone, video or face-to-face.

Book an appointment

Get the flexibility you need with our lines of credit

Access credit for specific purposes with one of our flexible lines of credit.

NAB FlexiPlus Mortgage

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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.

A table of interest rates for the NAB Flexiplus Mortgage Facility.
  Interest rate
FlexiPlus Mortgage 9.61% p.a.
FlexiPlus Mortgage – Choice Package 9.46% p.a.

Learn more about the NAB FlexiPlus Mortgage Facility

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NAB Portfolio Facility or NAB Private Portfolio Facility

Show rates

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.

A table of interest rates for the NAB Portfolio Facility or NAB Private Portfolio Facility.
Loan amount Interest rate
Between $250,000 and $499,999 9.03% p.a.
Between $500,000 and $999,999 8.93% p.a.
$1,000,000 and above 8.83% p.a.

Learn more about the NAB Portfolio Facility.

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Help and support

Get the most out of your NAB home loan and discover popular help and support tasks.

Other life moments

Investing in property

Find out how investing in property can help you build wealth.

Renovating your home

A home renovation can help you increase equity or meet life’s changing needs.

Buying your next home

Thinking about buying a house or freeing up equity? We can help make it happen.

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. 

Which home loan is right for me?

We’ll help you find a home loan that suits your needs.

How much can I borrow?

Get an estimate of how much you can afford to borrow for your home.

Home loan repayment calculator

Compare your loan amount with other factors to estimate your minimum loan repayments.

Property insights , opens in new window

Get information about a suburb or specific property, coupled with estimated property values and sales and rental history.
See all home loan calculators

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.

  • Refers to a rate used as a base for calculating an interest rate being described in our loan contracts as our “advertised” rate.

  • 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.

  • 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.

  • This includes purchasing, refinancing or renovating a residential investment property.

Contact us for home loan related queries

This is how you can get in touch.

Start a conversation with a banker

  1. Log into either NAB Internet Banking or the NAB app.
  2. Tap on the message icon.
  3. 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)

13 78 79

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.

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Terms and Conditions

Other important information

Information and rates are correct as at 7 July 2025 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.

Annual package fee applies for NAB Choice Package (currently $395). Choice Package discounts and benefits only apply whilst your loan is part of a NAB Choice Package. When you apply for the NAB Choice Package, you must include in the package a minimum of $150,000 in eligible lending products (which are existing or approved lending).

View our NAB Choice Package Terms and Conditions (PDF, 143KB), opens in new window

Personal Banking Fees - a guide to fees and charges (PDF, 647KB), opens in new window

Home loan fees and charges

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