Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤95%
National Australia Bank Home Loan Rates
Tracked products
162
Lowest variable
6.44%
Lowest fixed
6.34%
Lowest comparison
6.57%
Last updated
11 Sept 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 are National Australia Bank home loan rates?
National Australia Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.44% p.a. and the lowest fixed rate currently 6.34% p.a., checked daily (last verified 11 Sept 2026). Compare National Australia Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest National Australia Bank home loan rate?
The lowest National Australia Bank variable home loan rate Ratesniffers tracks is 6.44% p.a., and the lowest fixed rate is 6.34% p.a. These figures come from the 60 National Australia Bank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does National Australia Bank offer?
Ratesniffers currently tracks 162 National Australia Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. 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.
NAB also owns UBank as a separate digital-only brand with its own pricing. For a side-by-side rate comparison with another big-four major, see ANZ vs NAB.
National Australia Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.44% p.a. | n/a | 95% |
| Variable Owner-occupier P&I | 6.44% p.a. | n/a | 95% |
| Fixed 2-year Investor interest-only | 6.54% p.a. | n/a | 60% |
| Fixed 2-year Investor interest-only | 6.54% p.a. | n/a | 70% |
| Fixed 2-year Investor interest-only | 6.54% p.a. | n/a | 80% |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.57% p.a. | n/a |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.57% p.a. | n/a |
| Fixed 1-year Investor interest-only | 6.64% p.a. | n/a | 60% |
| Fixed 1-year Investor interest-only | 6.64% p.a. | n/a | 70% |
| Fixed 1-year Investor interest-only | 6.64% p.a. | n/a | 80% |
| Fixed 2-year Investor interest-only | 6.64% p.a. | n/a | 90% |
| Fixed 3-year Investor interest-only | 6.69% p.a. | n/a | 60% |
60 of 162 tracked National Australia Bank home loan products
National Australia BankBase Variable Home Loan Owner Occupied P&I Home Guarantee Scheme
VariableRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤95%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤60%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 60 to 70%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤60%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 60 to 70%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 80 to 90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤60%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 60 to 70%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤60%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 60 to 70%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤60%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 60 to 70%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.49%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,157
LVR ≤60%
National Australia BankTailored Home Loan Standard 5 Year Fixed Owner Occupied 60% - 70% LVR P&I
5y Fixed
Interest
6.49%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,157
LVR 60 to 70%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤60%
National Australia BankTailored Home Loan Standard 1 Year Fixed Owner Occupied 60% - 70% LVR IO
1y Fixed
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 60 to 70%
National Australia BankTailored Home Loan Standard 1 Year Fixed Owner Occupied 70% - 80% LVR IO
1y Fixed
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 80 to 90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 80 to 90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 80 to 90%
Interest
6.49%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,157
LVR ≤60%
National Australia BankTailored Home Loan Standard 4 Year Fixed Owner Occupied 60% - 70% LVR P&I
4y Fixed
Interest
6.49%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,157
LVR 60 to 70%
Interest
6.34%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.34%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,108
LVR ≤60%
National Australia BankTailored Home Loan Standard 2 Year Fixed Owner Occupied 60% - 70% LVR P&I
2y Fixed
Interest
6.34%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,108
LVR 60 to 70%
Interest
6.49%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,157
LVR ≤60%
National Australia BankTailored Home Loan Standard 3 Year Fixed Owner Occupied 60% - 70% LVR P&I
3y Fixed
Interest
6.49%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,157
LVR 60 to 70%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤60%
National Australia BankTailored Home Loan Standard 2 Year Fixed Owner Occupied 60% - 70% LVR IO
2y Fixed
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 60 to 70%
National Australia BankTailored Home Loan Standard 2 Year Fixed Owner Occupied 70% - 80% LVR IO
2y Fixed
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,141
LVR ≤60%
National Australia BankTailored Home Loan Standard 1 Year Fixed Owner Occupied 60% - 70% LVR P&I
1y Fixed
Interest
6.44%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,141
LVR 60 to 70%
National Australia BankTailored Home Loan Standard 5 Year Fixed Owner Occupied 70% - 80% LVR P&I
5y Fixed
Interest
6.49%p.a.
Comparison*
6.89%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤60%
National Australia BankTailored Home Loan Standard 3 Year Fixed Owner Occupied 60% - 70% LVR IO
3y Fixed
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 60 to 70%
National Australia BankTailored Home Loan Standard 3 Year Fixed Owner Occupied 70% - 80% LVR IO
3y Fixed
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤60%
National Australia BankTailored Home Loan Standard 4 Year Fixed Owner Occupied 60% - 70% LVR IO
4y Fixed
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 60 to 70%
National Australia BankTailored Home Loan Standard 4 Year Fixed Owner Occupied 70% - 80% LVR IO
4y Fixed
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤60%
National Australia BankTailored Home Loan Standard 5 Year Fixed Owner Occupied 60% - 70% LVR IO
5y Fixed
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 60 to 70%
National Australia BankTailored Home Loan Standard 5 Year Fixed Owner Occupied 70% - 80% LVR IO
5y Fixed
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 70 to 80%
National Australia BankTailored Home Loan Standard Variable Owner Occupied <60% LVR P&I
VariableOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.92%p.a.
Est. repayment
$3,256
LVR ≤60%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 60% - 70% LVR P&I
VariableOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.92%p.a.
Est. repayment
$3,256
LVR 60 to 70%
National Australia BankTailored Home Loan Standard 4 Year Fixed Owner Occupied 70% - 80% LVR P&I
4y Fixed
Interest
6.49%p.a.
Comparison*
6.93%p.a.
Est. repayment
$3,157
LVR 70 to 80%
National Australia BankTailored Home Loan Standard 5 Year Fixed Owner Occupied 80% - 95% LVR P&I
5y Fixed
Interest
6.59%p.a.
Comparison*
6.94%p.a.
Est. repayment
$3,190
LVR 80 to 95%
Interest
6.96%p.a.
Comparison*
Not available
Est. repayment
$3,313
LVR ≤90%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
National Australia Bank home loan repayment calculator
Pre-filled with National Australia Bank's lowest advertised variable rate in the table above, 6.44% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
National Australia Bank's lowest variable today: 6.44%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,141
Fortnightly repayment
$1,450
Total interest
$630,629
30 years at 6.44% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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, offset users, since its variable loan with offset carries up to ten offset accounts, and borrowers who want to split fixed and variable in one loan. 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 5 September 2026. Rates above refresh independently.
National Australia Bank home loan products explained
The line-up as published by National Australia Bank, checked 5 September 2026. Today's rate for each product is in the table above.
| Product | Who it is for | What to know |
|---|---|---|
| NAB Tailored Home Loan, variable rate with offset | Owner-occupiers and investors who want offset accounts and flexibility. | Variable rate with up to ten offset accounts, unlimited additional repayments, and the option to split the loan between fixed and variable portions. |
| NAB Tailored Home Loan, fixed rate | Borrowers who want repayment certainty for one to five years. | Fixed terms of one to five years. NAB states its fixed rate home loans do not come with an interest offset facility, and redraw is tied to variable lending rather than the fixed portion. Additional repayments of up to $20,000 can be made within the fixed term without a fee. The advertised two-year fixed offer carries a $12 monthly service fee. Rate lock holds a rate for 90 days for a fee. |
| NAB Base Variable Rate Home Loan | Borrowers who want a basic variable loan rather than the offset product. | Listed in NAB's own home loan range as its lower-feature variable option, on its own terms and conditions. |
| NAB Defence Force Home Loan | Eligible serving members of the Australian Defence Force. | Gated on Defence Force eligibility, so it is not available to the general market. NAB sets the eligibility test. |
| NAB Choice Package | Borrowers happy to pay an annual fee to remove per-product fees. | $395 a year. NAB states the package removes home loan application fees and home loan monthly service fees, and includes one credit card of your choice with no annual fee. Which lending products can sit inside the package is set by the package terms. |
National Australia Bank fees, offset and limits at a glance
- Application or establishment fee
- Refer to: Fees -> Upfront Fees Required
- Discharge fee
- $300
- Settlement fee
- $0
- Additional valuation fee
- $150
- Rate lock fee
- Fixing fee of 0.15% of loan amount, rounded to nearest $10 (Min fee $50)
- Loan portability
- $300
- Offset account
- 100%
- Minimum offset balance
- $1
- Lenders mortgage insurer
- QBE
- Capitalising LMI
- Allowed, but max LVR cannot be exceeded. Max LVR for Investment purposes 90% (inc LMI)
- Maximum total lending
- Max loan size $5m for non-LMI loans. This applies to 750k+ products with LVR up to 80%.…
- Extra repayments on fixed
- May have to pay economic costs, a prepayment fee and any other applicable fee.…
- When the fixed rate is locked
- Rate set at settlement but can pay a fee to fix
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
National Australia Bank home loan fees and policy
- NAB's advertised two-year fixed offer carries a $12 monthly service fee. The NAB Choice Package costs $395 a year and NAB states it removes home loan application fees and home loan monthly service fees, and waives the annual fee on one credit card.
- NAB states its fixed rate home loans do not come with an interest offset facility. Offset accounts, up to ten of them, sit on the variable rate with offset product instead.
- Additional repayments on a NAB fixed rate loan are limited to $20,000 within the fixed term before fees apply. Rate lock holds an approved fixed rate for 90 days and carries its own fee.
- A NAB loan can be split between fixed and variable portions, which is how offset and fixed certainty are combined on one property.
- NAB is listed as a participating lender for the Australian Government 5% Deposit Scheme, subject to the scheme's eligibility rules and property price caps.
Sources checked 5 September 2026: www.nab.com.au, www.nab.com.au, www.nab.com.au, www.nab.com.au, www.nab.com.au, www.nab.com.au, NAB home loans, NAB fixed rate home loans, NAB Choice Package, Australian Government 5% Deposit Scheme participating lenders.
National Australia Bank home loans: frequently asked questions
What are National Australia Bank home loan rates?
National Australia Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.44% p.a., and the lowest fixed rate is 6.34% p.a., checked daily (last verified 11 Sept 2026). Compare National Australia Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a National Australia Bank balance, use /calculators/extra-repayment.
What is the lowest National Australia Bank home loan rate?
National Australia Bank's lowest variable home loan rate is currently 6.44% p.a., and its lowest fixed rate is 6.34% p.a., based on the 60 National Australia Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate National Australia Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 National Australia Bank home loan?
At National Australia Bank's lowest variable rate of 6.44% p.a., a $600,000 principal and interest loan over 30 years repays about $3,769 a month, and $500,000 about $3,141. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 National Australia Bank home loan?
There is no single salary. Like every Australian lender, National Australia Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.44% p.a. is assessed at about 9.44% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does National Australia Bank's home loan rate compare to the market?
National Australia Bank's lowest variable home loan rate today is 6.44% p.a., which is 20 basis points above the market median of 6.24% 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 162 National Australia Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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 6.57% 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 11 Sept 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.
How long does NAB take to approve a home loan?
NAB says conditional pre-approval can take a few hours in some cases and a few days or weeks in others, depending on how quickly documents arrive and how straightforward income is. Its conditional approval certificate is valid for 90 days. Formal approval follows once the property is valued and all loan conditions are met.
Does NAB charge an application fee or discharge fee on its home loans?
NAB lists a $0 application fee on the Base Variable Rate Home Loan, Tailored Home Loan and Choice Package; the FlexiPlus Mortgage charges $600. The Tailored Home Loan carries a $12 monthly loan service fee. A $350 mortgage discharge fee applies when a loan is closed, and locking a fixed rate costs 0.15% of the approved facility limit.
How much deposit do I need for a NAB home loan, and when is LMI payable?
NAB says you generally need a 20% deposit to avoid Lenders Mortgage Insurance. With a deposit below 20%, LMI is payable and is usually added to the loan. NAB also notes that certain professionals and first home buyers may be eligible for an LMI waiver, subject to specific eligibility criteria.
Does NAB lend to self-employed borrowers, and what income evidence does it accept?
Yes. NAB lends to business owners, sole traders and freelancers. It asks for one to two years of self-employed income history, personal and business tax returns, ATO notices of assessment, and may accept Business Activity Statements where tax returns are not available. NAB will consider a single year's financial statements where the loan to value ratio is 80% or less.
Does NAB offer construction loans?
Yes. NAB offers construction home loans, also called building loans, for building or renovating with a registered builder. Funds are released in stages as work progresses, with interest only repayment options during the build period, and NAB requires a signed fixed price building contract, plans and permits, and builder insurance before progress payments start.
Does NAB offer bridging loans?
Yes. NAB's bridging product is the NAB FlexiPlus Mortgage, which is available for bridging purposes only. It is a variable rate facility that lets you borrow up to 80% of the property value, with no scheduled principal repayments and interest charged at the end of each month. It carries a $600 application fee and a $250 annual service fee.
Does NAB offer fixed rates?
Yes. NAB fixes for one, two, three, four or five years on its Tailored Home Loan. NAB states its fixed rate loans do not come with an interest offset facility, and additional repayments are capped at $20,000 within the fixed term before fees apply. Borrowers who want both certainty and offset usually split the loan between fixed and variable.
What are NAB's home loan rates in September 2026?
NAB's current home loan rates are in the live table above, ranked by comparison rate. Ratesniffers does not freeze a number into this answer because NAB prices its variable, fixed and basic variable loans separately, and varies them by deposit size and loan purpose. Compare the comparison rate, which carries the monthly service fee into the cost.
Does NAB have an offset account?
Yes, on its variable rate with offset product, which supports up to ten offset accounts against the one loan. It is not available on NAB's fixed rate loans, which NAB says carry no interest offset facility. Splitting a loan between fixed and variable is the usual way to keep an offset while fixing part of the balance.
What is the NAB Choice Package annual fee?
$395 a year. NAB states the package removes home loan application fees and home loan monthly service fees, and includes one credit card of your choice with no annual fee. The package terms set which lending products can be included, so the fee is worth weighing against the per-product fees it actually removes for your structure.
Can first home buyers get a NAB home loan with a 5% deposit?
NAB is listed as a participating lender for the Australian Government 5% Deposit Scheme, so an eligible first home buyer can apply through NAB with a 5% deposit under the government guarantee. The scheme's eligibility rules and property price caps still apply, and NAB assesses the application on its normal lending criteria.
Is NAB a good home loan lender?
NAB is one of the big four, runs the highest share of regional branches among them, and owns Ubank as a separate digital brand with its own pricing. Whether it fits comes down to price and structure against the wider panel, so read the full write-up at /reviews/national-australia-bank and compare its comparison rate above.