Product Library

NAB Base Variable Rate Home Loan

Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.

Category: Home Loans Last Updated March 27, 2026 Effective April 24, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner occupier principal and interest

Interest Rate
6.19% PA

Comparison Rate
6.19%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 vary based on the LVR and other conditions.

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.

Extra Repayments

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: 0.00.

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)

Opening Balance of 20000.00

Max Lvr of 0.95

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