Variable rates and fees

This line of credit variable rate applies to lending of $1 million and above. For more information on the fees and charges that can apply please refer to the important information section.

Variable rate

9.08 % p.a.

Monthly service fee

$ 0

Application fee

$ 0

Annual package fee

$ 550

Benefits of the NAB Portfolio Facility

The features of the facility put you in control of your borrowings with easy and convenient access to your money when you need it.

Convenient and cost-effective

Enjoy the simplicity of one facility and limit for an annual package fee of $550. There are no application or monthly service fees.

All your borrowings in one place

A single lending limit for all your home and investment loans and no need to re-apply to access credit, unless you need to increase your credit limit.

Organise your money your way

Organise your borrowings to suit your needs and objectives, with up to 12 home loan sub accounts and a choice of fixed or variable rates.

Access your money

Access money up to your approved credit limit (provided the account doesn’t have a fixed rate) using internet banking and ATMs if you have an existing NAB Visa Debit card or NAB Credit card.

Unlock your equity

Use the equity in your property to borrow up to 80% of a property’s value, so you can start on your next project sooner.

Control from your pocket

Stay on top of your home loan through the NAB app. You can track your home loan progress, estimate your property equity and more.

Package discounts and benefits

Combine your NAB Portfolio Facility with other selected NAB products  for discounts and savings.

  • no annual credit card fees on up to two eligible NAB credit card accounts that you choose to include in your package
  • NAB transaction fees and NAB ATM fees waived when you access a NAB Portfolio Facility sub account through an ATM in Australia or overseas

Please note, this is an example only and may be different depending on your circumstances. To enjoy these benefits (and more), you’ll need to ask us to include the products in your Portfolio Package and pay the annual package fee of $550.

Tools and calculators

Check out our tools and calculators to help you budget and plan for the future.

Portfolio facility interest rates

These tables show rates for the NAB Portfolio Facility that are available to both owner occupiers and residential investors.

The NAB Portfolio Facility is only on sale to business customers.

Variable rate line of credit

Borrowed amount Interest rate
$250,000 to $499,999 9.28% p.a.
$500,000 to $999,999 9.18% p.a.
$1,000,000 and above 9.08% p.a.

Fixed rate: interest-only in arrears

Loan term Interest rate
1 year 5.94% p.a.
2 years 5.84% p.a.
3 years 5.84% p.a.
4 years 6.24% p.a.
5 years 6.24% p.a.

Fixed rate: interest-only in advance

Loan term Interest rate
1 year 5.84% p.a.
2 years 5.74% p.a.
3 years 5.74% p.a.
4 years 6.14% p.a.
5 years 6.14% p.a.

Other options to consider

Haven't found what you're looking for? Learn about other financial packages and services available.

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.

Terms and Conditions

The Target Market Determination for this product is available at nab.com.au/TMD.