Interest
6.44%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,141
LVR 70 to 80%
National Australia Bank · Offset · Updated September 2026
National Australia Bank Offset Account Home Loans, September 2026
National Australia Bank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.34% p.a. (comparison rate 6.83% p.a.) on a 2-year fixed term, on NAB Tailored Home Loan. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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National Australia Bank offset home loan rates, September 2026
Interest
6.49%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.34%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,141
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%
Interest
6.59%p.a.
Comparison*
6.99%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
7.03%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
7.06%p.a.
Est. repayment
$3,290
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,290
LVR 70 to 80%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 70% - 80% LVR P&I
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
7.12%p.a.
Est. repayment
$3,323
LVR 70 to 80%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 80% - 95% LVR P&I
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
7.12%p.a.
Est. repayment
$3,323
LVR 80 to 95%
Interest
6.69%p.a.
Comparison*
7.14%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
7.15%p.a.
Est. repayment
$3,290
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
7.17%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
7.17%p.a.
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
7.09%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,357
LVR 70 to 80%
*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 · Offset
National Australia Bank offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also National Australia Bank's full product range, repayment calculator, and offset savings calculator.