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Buying your first home?

NAB is here to help with our best ever home loan rate 3.69% p.a.* (comparison rate 4.86% p.a.) for eligible First Home Buyers on a new NAB Choice Package 2 year fixed rate owner occupier, principal & interest home loan of $150,000 or more. Limited time only.

*Includes discount offer. Terms and conditions apply. Fees and charges are payable. See Important Information below for comparison rate warning and discount offer terms and conditions.

1. PREPARING TO BUY

Time to get organised! Our guides to budgeting, saving, renting vs buying and getting your finances in order will make buying your home more manageable and better prepare you to make the leap into a home loan.

Working out a realistic budget is a great way to take control of your finances.

It’s a big decision when you decide you’re going to start saving to buy a home.

A successful home loan application depends on the interplay of four factors...

Working out whether to jump onto the property ladder or continue renting can be a confusing decision.

2. Buying your home

So you’ve found the house you want to make your home. Before you make an offer, learn about the cost of home ownership, getting a First Home Owner Grant and more.

The First Home Owner Grant (FHOG) varies a great deal from state to territory to state.

Property insight reports

You put more than money into your property, so we'll provide insights to help you land your next move.

Getting conditional approval for your home loan is an important step in the home buying journey.

There’s no way around it – getting your deposit together is tough work.

3. Getting your home loan

Ready to apply? Let us explain common home loan terms, the different types of home loans available, what you'll be asked when you apply and about the application process.

With so many different home loans out there, it's hard to know which one's best.

Are you looking at homes – and looking into home loans – and struggling with the terminology?

Getting your home loan sorted with us – from whoa to go – is a five-step process.

Once you’re ready to buy a home, if you need financing support, you’ll need to submit a loan application to your lender.

Our range of home loan products

Combine your Home Loan with other banking products, to make everything a whole lot easier. You’ll get discounts and benefits as part of the package too – saving you time and money where it counts. 

With fixed and variable options, the NAB Tailored Home Loan is really flexible, offering 100% offset and extra or lump sum repayments at no extra cost (for variable rate loans).

Keep things simple with our easy-to-manage low rate home loan which has no redraw or ongoing monthly fees.

Have flexibility with your personal and investment borrowing with a NAB line of credit. You can access funds at any time and have no scheduled repayments.

Have more control of your banking with an all-in-one line of credit. You can your access funds at any time and organise your banking into multiple sub accounts within just one banking facility.

Important information

*Discount Offer Terms and Conditions

The Discount Offer (“the Offer”) is a discount of 0.19% p.a. off the advertised 2 years Package Fixed Rate for Home Loans indicator interest rate.

The Offer is available where the following 3 criteria apply:

  • On a new 2 year fixed rate NAB Tailored Home Loan – Choice Package – Principal and Interest home loans of $150,000 or more
  • For owner occupier first home buyers who have never previously purchased a property; all applicants for the loan must be first home buyers
  • For new purchases of residential properties only.

The Offer is available from 16 March 2017 until withdrawn by NAB (“Offer Period”). To be eligible for the Offer, you must apply during the Offer Period, be approved and settle within the time period set out in your loan offer.

The Offer is not available on NAB Variable Rate Home Loans (including where you change from the fixed rate to a variable rate during the 2 year fixed rate term). The Offer is available for new lending only. The Offer is not available for any loan refinance, variation or change of loan purpose of any existing NAB home loan.

The Offer will permanently cease to apply to any otherwise eligible NAB Home Loan on the earlier of:

  • the conclusion of the 2 year fixed rate term, whether due to expiry of the term or early termination; or
  • any "economic cost event" occurs under the loan (such as early repayment during the fixed rate term; or where you change to another fixed interest rate with a new fixed rate period during the 2 year term); or
  • your loan ceases to be part of a NAB Choice Package

To be eligible for the Offer, a maximum loan to property value ratio (LVR) of 90% applies.

The Offer is not available in conjunction with any other discount offer that may apply to NAB Home Loans from time to time.

Fees and charges are payable. Terms, conditions and lending criteria apply. Rates and information current as at 9 May 2017 and subject to change. NAB Tailored Home Loan fees, charges, terms and conditions are available on request. NAB Choice Package fees, charges, terms and conditions are available here [insert hyperlink]. Annual package fee may apply. Choice Package discounts and benefits only apply whilst your loan is part of a NAB Choice Package.

Comparison rate calculated on secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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