NAB Tailored Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.12%p.a.
Comparison*
6.16%p.a.
Monthly repayment
$3,036
LVR 70–80%
National Australia Bank Home Loan Rates
Active products
35
Lowest variable
6.12%
Lowest fixed
6.34%
Lowest comparison
6.16%
Last updated
28 July 2026
National Australia Bank (NAB) is one of Australia's Big Four, headquartered in Melbourne and listed on the ASX. NAB's Choice Package bundles its Tailored Home Loan products with offset, redraw and credit-card fee waivers. NAB is generally policy-aggressive on PAYG borrowers with strong income evidence.
What is the lowest National Australia Bank home loan rate?
The lowest National Australia Bank variable home loan rate Ratesniffers tracks is 6.12% p.a., and the lowest fixed rate is 6.34% p.a. These figures come from the 29 National Australia Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does National Australia Bank offer?
Ratesniffers currently tracks 29 National Australia Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
National Australia Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.12% p.a. | 6.16% p.a. | 100% |
| Variable Owner-occupier P&I | 6.12% p.a. | 6.16% p.a. | 100% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.34% p.a. | 6.38% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.44% p.a. | 6.48% p.a. | 100% |
| Fixed 2-year Investor P&I | 6.44% p.a. | 6.48% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.47% p.a. | 6.51% p.a. | 100% |
| Variable Investor interest-only | 6.47% p.a. | 6.51% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.47% p.a. | 6.51% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.47% p.a. | 6.51% p.a. | 100% |
| Variable Investor interest-only | 6.47% p.a. | 6.51% p.a. | 100% |
29 National Australia Bank home loan products
NAB Base Variable Rate Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.12%p.a.
Comparison*
6.16%p.a.
Monthly repayment
$3,036
LVR —
NAB Tailored Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
NAB Base Variable Rate Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR —
NAB Tailored Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
NAB Tailored Home Loan
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
NAB Tailored Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.47%p.a.
Comparison*
6.51%p.a.
Monthly repayment
$3,150
LVR 70–80%
NAB Tailored Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.47%p.a.
Comparison*
6.51%p.a.
Monthly repayment
$3,150
LVR 70–80%
NAB FlexiPlus Mortgage
Owner-occupierVariableInterest only
Interest
6.47%p.a.
Comparison*
6.51%p.a.
Monthly repayment
$3,150
LVR —
NAB Base Variable Rate Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.47%p.a.
Comparison*
6.51%p.a.
Monthly repayment
$3,150
LVR —
NAB Base Variable Rate Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.47%p.a.
Comparison*
6.51%p.a.
Monthly repayment
$3,150
LVR —
NAB Tailored Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
NAB Tailored Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
NAB Tailored Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
NAB Tailored Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR 70–80%
NAB Tailored Home Loan
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR 70–80%
NAB Tailored Home Loan
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR 70–80%
NAB Tailored Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
NAB Tailored Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
NAB Tailored Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
NAB Tailored Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR 70–80%
NAB Tailored Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR 70–80%
Negotiate National Australia Bank rates with a broker
Advertised rates aren't always the rate National Australia Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is National Australia Bank?
National Australia Bank was formed on 1 October 1981 through the merger of the National Bank of Australasia, established in Melbourne in 1858, and the Commercial Banking Company of Sydney, founded in 1834. It is one of the big four alongside Commonwealth Bank, Westpac and ANZ, and describes itself as Australia's largest business bank, serving more than eight and a half million customers across Australia and New Zealand.
In June 2022 NAB completed a $1.2 billion acquisition of Citigroup's Australian consumer business, including its home lending portfolio, bringing those customers onto NAB's own book. NAB also owns UBank as a separate digital-only brand with its own pricing, and has committed to keep its rural and regional branches open until at least 31 July 2027, with regional branches making up 47% of its network, the highest share of any big-four bank.
Who suits a National Australia Bank home loan?
NAB tends to suit borrowers who want big-four scale backed by a strong regional and rural branch commitment, including anyone who held a Citi home loan and has since moved onto NAB's book. If a leaner digital lender suits you better, its own UBank brand is worth comparing too, and NAB's headline rates don't always lead the market, so check its comparison rate against the sharpest in the table above.
Background facts checked 18 July 2026. Rates above refresh independently.
National Australia Bank home loans: frequently asked questions
What is the lowest National Australia Bank home loan rate?
National Australia Bank's lowest variable home loan rate is currently 6.12% p.a., and its lowest fixed rate is 6.34% p.a., based on the 29 National Australia Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate National Australia Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does National Australia Bank's home loan rate compare to the market?
National Australia Bank's lowest variable home loan rate today is 6.12% p.a., which is 3 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking National Australia Bank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where National Australia Bank sits right now rather than a fixed snapshot.
How many home loan products does National Australia Bank offer?
Ratesniffers currently tracks 35 National Australia Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 29 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is National Australia Bank competitive for refinancing?
It depends on your loan size and LVR. National Australia Bank's lowest comparison rate is currently 6.16% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing National Australia Bank against the sharpest available rate usually pays off.
How often are National Australia Bank's home loan rates updated?
Ratesniffers refreshes National Australia Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever National Australia Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
National Australia Bank rates by borrower and loan type
The same National Australia Bank panel, filtered to the scenario you're actually shopping for.
- National Australia Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- National Australia Bank investor ratesInvestment lending, interest-only where offered.
- National Australia Bank refinance ratesRefinance-eligible products versus your current rate.
- National Australia Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- National Australia Bank fixed rates1 to 5-year terms where available.
- National Australia Bank variable ratesFlexible repayments, offset-compatible products.
- National Australia Bank interest-only ratesIO terms, mostly investor products.
- National Australia Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Research National Australia Bank
Our independent review, and how they stack up head to head.
- National Australia Bank reviewHonest pros, cons and who it suits.
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- CommBank vs NABSide by side on rate, comparison rate and features.
- Westpac vs NABSide by side on rate, comparison rate and features.
- All lender reviewsIndependent reviews across the lender panel.
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Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.