Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤95%
National Australia Bank · Variable · Updated September 2026
National Australia Bank Variable Home Loans, September 2026
National Australia Bank lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.44% p.a., on Base Variable Home Loan Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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National Australia Bank variable home loan rates, September 2026
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
6.44%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
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
6.96%p.a.
Comparison*
Not available
Est. repayment
$3,313
LVR ≤90%
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
7.09%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,357
LVR 70 to 80%
Interest
7.09%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,357
LVR not stated
National Australia BankTailored Home Loan Standard Variable Investment <60% LVR P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,357
LVR ≤60%
National Australia BankTailored Home Loan Standard Variable Investment 60% - 70% LVR P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,357
LVR 60 to 70%
National Australia BankTailored Home Loan Standard Variable Owner Occupied <60% LVR IO
VariableOffsetRedraw
Interest
7.26%p.a.
Comparison*
Not available
Est. repayment
$3,414
LVR ≤60%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 60% - 70% LVR IO
VariableOffsetRedraw
Interest
7.26%p.a.
Comparison*
Not available
Est. repayment
$3,414
LVR 60 to 70%
National Australia BankTailored Home Loan Standard Variable Investment <60% LVR IO
VariableOffsetRedraw
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR ≤60%
National Australia BankTailored Home Loan Standard Variable Investment 60% - 70% LVR IO
VariableOffsetRedraw
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR 60 to 70%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR 70 to 80%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR not stated
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤80%
National Australia BankTailored Home Loan Standard Variable Investment 70% - 80% LVR P&I
VariableOffsetRedraw
Interest
7.29%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,424
LVR 70 to 80%
National Australia BankTailored Home Loan Standard Variable Investment 80% - 90% LVR P&I
VariableOffsetRedraw
Interest
7.29%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,424
LVR 80 to 90%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 70% - 80% LVR IO
VariableOffsetRedraw
Interest
7.46%p.a.
Comparison*
Not available
Est. repayment
$3,482
LVR 70 to 80%
Interest
7.49%p.a.
Comparison*
7.49%p.a.
Est. repayment
$3,493
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 · Variable
National Australia Bank variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also National Australia Bank's full product range, repayment calculator, and refinance savings calculator.