Rates and fees

  • 4.17

    variable rate

  • 4.21

    comparison rate

  • 0

    monthly fee

  • 600

    application fee

The above rates refer to principal and interest loans.

More rates and fees information

Benefits and features

Pay off your loan sooner

  • Make additional repayments to help you get ahead faster and save interest.
  • Repayments are flexible. They can be made weekly, fortnightly or monthly.

Have easy access to your money

  • If you’re ahead with your repayments you can access funds of $500 and above. Access these funds easily through Internet Banking.

Save money on fees and interest

  • No monthly service fees to add to the overall cost of your home loan.
  • Our great low rates help you save on interest and make a bigger dint in your home loan principal.

Get in your home sooner

  • Borrow up to 95% (Principal & Interest repayments) of the property’s value so you don’t have to wait until you’ve got a bigger deposit1.
  • Lenders Mortgage Insurance applies if you borrow over 80% of the property value.

Interest-only repayments available

  • 5 years interest only for owner occupied and investment home loans1.

Foreign applicants / applicants living overseas please refer to Important Information

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Important information

Terms and conditions available on application. Except where stated, fees and charges may apply. Subject to normal lending criteria.

Information current at 25 January 2016, subject to change.

1Maximum 95% loan to value ratio (LVR) for principal & interest owner occupied home loans. Max. 80% (LVR) for all interest only home loans.

Comparison rates are based on a loan of $150,000 over a term of 25 years.

NAB Base Variable Rate Home Loan will not be available to applicants who reside overseas (regardless of citizenship) and for applicants who require Foreign Investment Review Board (FIRB) approval to purchase residential property in Australia.

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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