Rates

These indicator rates are effective as at 26 June 2017. Your net interest rate may be the same as the indicator rate; or the sum of the indicator rate plus/minus a margin.

The indicator rates below are used as a base to calculate interest rates for NAB home lending products. These indicator rates are subject to change.

A positive margin of 0.10% p.a. will apply to interest only (in arrears) variable and fixed rate loans. However, this does not apply to fixed rate in advance.

NAB Base Variable Rate Home Loan Indicator rates
Base Variable Rate for Home Loans        
5.11% p.a.
Base Variable Rate for Interest Only Home Loans 5.11% p.a.
Base Variable Rate for Residential Investment Home Loans 5.59% p.a.
Base Variable Rate for Interest Only Residential Investment Home Loans 5.59% p.a.
Overseas Borrower Base Variable Rate 5.95% p.a.
   
NAB Tailored Home Loan Indicator rates
Variable Rate for Home Loans (Standard Variable Rate) 5.32% p.a.
Variable Rate for Interest Only Home Loans1 5.32% p.a.
Variable Rate for Residential Investment Home Loans 5.80% p.a.
Variable Rate for Interest Only Residential Investment Home Loans1 5.80% p.a.
Overseas Borrower Variable Rate 6.15% p.a.
   
NAB Homeplus Home Loan (Product withdrawn from sale effective 11/03/2017) Indicator rates
NAB Homeplus Rate 5.35% p.a.   
NAB Homeplus Interest Only Rate1 5.35% p.a.
NAB Homeplus Residential Investment Rate 5.83% p.a. 
NAB Homeplus Residential Investment Interest Only Rate1 5.83% p.a. 
Homeplus Overseas Borrower Variable Rate 6.15% p.a.
  Indicator rates
NAB Peak Performance Equity Mortgage Variable Rate (Product withdrawn from sale effective 11/03/2017) 6.15% p.a.
Flexiplus Mortgage Rate 6.09% p.a.
   
NAB Homeplus Fixed Indicator Rates (Product withdrawn from sale effective 11/03/2017) Principal and Interest Interest only1
1 year Fixed Rate for Home Loans 3.89% p.a.  
4.39% p.a.
2 years Fixed Rate for Home Loans 3.88% p.a. 4.39% p.a.
3 years Fixed Rate for Home Loans 3.94% p.a. 4.39% p.a.
4 years Fixed Rate for Home Loans 4.59% p.a. 4.89% p.a.
5 years Fixed Rate for Home Loans 4.59% p.a. 4.89% p.a.
     
NAB Homeplus Residential Investment Fixed Indicator Rates (Product withdrawn from sale effective 11/03/2017) Principal and Interest Interest only1
1 year Fixed Rate for Residential Investment Home Loans 4.29% p.a. 4.39% p.a.
2 years Fixed Rate for Residential Investment Home Loans 3.88% p.a. 4.39% p.a.
3 years Fixed Rate for Residential Investment Home Loans 4.24% p.a. 4.39% p.a.
4 years Fixed Rate for Residential Investment Home Loans 4.79% p.a. 4.89% p.a.
5 years Fixed Rate for Residential Investment Home Loans 4.79% p.a. 4.89% p.a.
     
NAB Tailored Home Loan Fixed Indicator   Rates Principal and Interest Interest only1
1 year Fixed Rate for Home Loans 3.99% p.a. 4.49% p.a
2 years Fixed Rate for Home Loans 3.98% p.a. 4.49% p.a.
3 years Fixed Rate for Home Loans 4.04% p.a. 4.49% p.a.
4 years Fixed Rate for Home Loans 4.69% p.a. 4.99% p.a.
5 years Fixed Rate for Home Loans 4.69% p.a. 4.99% p.a.
     
NAB Tailored Residential Investment Fixed Indicator Rates Principal and Interest Interest only1
1 year Fixed Rate for Residential Investment Home Loans 4.39% p.a. 4.49% p.a.
2 years Fixed Rate for Residential Investment Home Loans 3.98% p.a. 4.49% p.a.
3 years Fixed Rate for Residential Investment Home Loans 4.34% p.a. 4.49% p.a.
4 years Fixed Rate for Residential Investment Home Loans 4.89% p.a. 4.99% p.a.
5 years Fixed Rate for Residential Investment Home Loans 4.89% p.a. 4.99% p.a.
     
NAB Choice Package Home Loan Principal and Interest Interest only1
1 year Package Fixed Rate for Home Loans 3.89% p.a. 4.39% p.a.
2 years Package Fixed Rate for Home Loans 3.88% p.a. 4.39% p.a.
3 years Package Fixed Rate for Home Loans 3.94% p.a. 4.39% p.a.
4 years Package Fixed Rate for Home Loans 4.59% p.a. 4.89% p.a.
5 years Package Fixed Rate for Home Loans 4.59% p.a. 4.89% p.a.
     
NAB Choice Package Residential Investment Fixed Indicator Rates Principal and Interest Interest only1
1 year Package Fixed Rate for Residential Investment Home Loans 4.29% p.a. 4.39% p.a.
2 years Package Fixed Rate for Residential Investment Home Loans 3.88% p.a. 4.39% p.a.
3 years Package Fixed Rate for Residential Investment Home Loans 4.24% p.a. 4.39% p.a.
4 years Package Fixed Rate for Residential Investment Home Loans 4.79% p.a. 4.89% p.a.
5 years Package Fixed Rate for Residential Investment Home Loans 4.79% p.a. 4.89% p.a.

©2016 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

Important information

1. A positive margin of 0.10% p.a. will apply to interest only (in arrears) variable and fixed rate loans. However, this does not apply to fixed rate in advance.

Rates are subject to change at any time. To find out more, call into a NAB branch or call 13 13 12 for information on personal lending rates or 13 10 12 for information on business lending rates. Terms and conditions, fees and charges, and normal lending criteria apply. Full details of these and relevant terms and conditions are available on application.

© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

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