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Example Interest Rates: Home Loan Variable: 1.89% (1.9%*) • Home Loan Fixed: 1.84% (2.11%*) • Fixed: 1.84% (2.11%*) • Variable: 1.89% (1.9%*) • Investment IO: 2.05% (4.36%*) • Investment PI: 1.58% (2.72%*)

  NAB Base Variable Rate Home Loan

Get into your home sooner with our simple, low-cost home loan.
Category: Home Loans  Last Updated January 31, 2020  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner occupier principal and interest
Interest Rate
3.45% PA
Comparison Rate
3.49%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR 80% or less
  • Lending Rate Type: Discount
  • Interest Rate: 1.26%, Comparison Rate 2.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 80%
Minimum: 80.01 PERCENT Maximum: PERCENT
  • Lending Rate Type: Discount
  • Interest Rate: 0.46%, Comparison Rate 3.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Variable
  • Interest Rate: 4.02%, Comparison Rate 3.7%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Variable
  • Interest Rate: 3.97%, Comparison Rate 4.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  • Lending Rate Type: Discount
  • Interest Rate: 1.18%, Comparison Rate 2.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR more than 80%
Minimum: 80.01 PERCENT Maximum: PERCENT
  • Lending Rate Type: Discount
  • Interest Rate: 0.63%, Comparison Rate 3.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Variable
  • Interest Rate: 4.35%, Comparison Rate 4.15%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less, interest only
  • Lending Rate Type: Discount
  • Interest Rate: 1.36%, Comparison Rate 3.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw Additional Information: If you’re at least one full repayment ahead, you can redraw $500 or more with no fees. It’s simple to redraw using NAB Internet Banking.
  • Digital Banking Additional Information: 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.
  • Other Additional Information: Flexible repayments. Choose when you make your repayments - weekly, fortnightly or monthly.

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Citizen Or Permanent Resident, Or New Zealand Citizen. Restrictions Apply If Residential Address Is An Overseas Addresss..
  • Other Additional Information: Lending criteria apply.

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: 600.00.
  • Mortgage Discharge Fee (Event), Amount: 350.00.
  • Production Of Documents (Event), Amount: 150.00.
  • Company Name Search (Event), Amount: 40.00.
  • Business Name Search (Event), Amount: 40.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00

 Document Downloads

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  AUS Eastern Standard Time (Washington)

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