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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 June 4, 2021

 General Lending Rates

Rates listed below are for a VARIABLE OWNER_OCCUPIED PRINCIPAL_AND_INTEREST. 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. 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.

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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.

 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

Related Home Loans

Related Fixed Home Loans
Interest*
1.89%
Comparison*
2.15%
   
1.85%
2.24%
   
2.19%
2.24%
   
2.24%
2.24%
   
Related Variable Home Loans
Interest*
1.95%
Comparison*
1.99%
   
1.95%
1.99%
   
1.99%
2.01%
   
2.09%
2.05%
   
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