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, 48KB), 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.

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

6.84% p.a.

6.88% p.a.

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 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

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

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

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

7.94% p.a.

Comparison rate

7.37% p.a.

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 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

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

8.74% 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

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

7.36% p.a. 7.41% p.a.

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 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

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

8.77% 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

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

8.27% p.a. 7.81% p.a.

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 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

 

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

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

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.

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

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

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

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

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

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

Table of fixed interest rates for our 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

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

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

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

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

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

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

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

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

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

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

Table of fixed interest rates for our 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

Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance.
  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.

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
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.

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
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

Select repayment type

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

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

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

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

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

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

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
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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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
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

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
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

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
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.

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
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.

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
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.

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 9.86% p.a.
FlexiPlus Mortgage – Choice Package 9.71% p.a.

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NAB Portfolio Facility or NAB Private Portfolio Facility

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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.

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 9.28% 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.

  • 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.

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Customer Support Tool

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