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  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 September 5, 2021

 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
3.45%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: 0.76%, Comparison Rate 2.69%
  • 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: 0.41%, Comparison Rate 3.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Variable
  • Interest Rate: 4.02%, Comparison Rate 3.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Variable
  • Interest Rate: 3.97%, Comparison Rate 3.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  • Lending Rate Type: Discount
  • Interest Rate: 0.88%, Comparison Rate 3.09%
  • 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 3.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Variable
  • Interest Rate: 4.35%, Comparison Rate 4.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less, interest only
  • Lending Rate Type: Discount
  • Interest Rate: 1.06%, Comparison Rate 3.71%
  • 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00

 Document Downloads

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