Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤95%
National Australia Bank · Variable · Updated November 2026
National Australia Bank Variable Home Loans, November 2026
National Australia Bank lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.69% 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, November 2026
National Australia BankBase Variable Home Loan Owner Occupied P&I Home Guarantee Scheme
VariableRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤95%
Interest
7.04%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,340
LVR 70 to 80%
Interest
7.04%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,340
LVR not stated
National Australia BankTailored Home Loan Standard Variable Owner Occupied <60% LVR P&I
VariableOffsetRedraw
Interest
7.04%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,340
LVR ≤60%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 60% - 70% LVR P&I
VariableOffsetRedraw
Interest
7.04%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,340
LVR 60 to 70%
Interest
7.21%p.a.
Comparison*
Not available
Est. repayment
$3,397
LVR ≤90%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 70% - 80% LVR P&I
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
7.36%p.a.
Est. repayment
$3,407
LVR 70 to 80%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 80% - 95% LVR P&I
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
7.36%p.a.
Est. repayment
$3,407
LVR 80 to 95%
Interest
7.34%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,441
LVR 70 to 80%
Interest
7.34%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,441
LVR not stated
National Australia BankTailored Home Loan Standard Variable Investment <60% LVR P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,441
LVR ≤60%
National Australia BankTailored Home Loan Standard Variable Investment 60% - 70% LVR P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,441
LVR 60 to 70%
National Australia BankTailored Home Loan Standard Variable Owner Occupied <60% LVR IO
VariableOffsetRedraw
Interest
7.51%p.a.
Comparison*
Not available
Est. interest only / month
$3,129
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
National Australia BankTailored Home Loan Standard Variable Owner Occupied 60% - 70% LVR IO
VariableOffsetRedraw
Interest
7.51%p.a.
Comparison*
Not available
Est. interest only / month
$3,129
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
National Australia BankTailored Home Loan Standard Variable Investment <60% LVR IO
VariableOffsetRedraw
Interest
7.54%p.a.
Comparison*
Not available
Est. interest only / month
$3,142
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
National Australia BankTailored Home Loan Standard Variable Investment 60% - 70% LVR IO
VariableOffsetRedraw
Interest
7.54%p.a.
Comparison*
Not available
Est. interest only / month
$3,142
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.59%p.a.
Comparison*
Not available
Est. interest only / month
$3,163
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.59%p.a.
Comparison*
Not available
Est. interest only / month
$3,163
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.59%p.a.
Comparison*
Not available
Est. interest only / month
$3,163
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.59%p.a.
Comparison*
Not available
Est. interest only / month
$3,163
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
National Australia BankTailored Home Loan Standard Variable Investment 70% - 80% LVR P&I
VariableOffsetRedraw
Interest
7.54%p.a.
Comparison*
7.66%p.a.
Est. repayment
$3,510
LVR 70 to 80%
National Australia BankTailored Home Loan Standard Variable Investment 80% - 90% LVR P&I
VariableOffsetRedraw
Interest
7.54%p.a.
Comparison*
7.66%p.a.
Est. repayment
$3,510
LVR 80 to 90%
National Australia BankTailored Home Loan Standard Variable Owner Occupied 70% - 80% LVR IO
VariableOffsetRedraw
Interest
7.71%p.a.
Comparison*
Not available
Est. interest only / month
$3,213
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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.