NRMA Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
NRMA Home Loans Home Loan Rates
Active products
48
Lowest variable
6.44%
Lowest fixed
6.49%
Lowest comparison
6.16%
Last updated
28 July 2026
NRMA Home Loans is a partnership between the NRMA and Westpac, offering NRMA-member-priced home loans on a Westpac-funded loan engine. Owner-occupier and investor variable and fixed products are available, with discounts that flow through Westpac's Premier Advantage package framework.
What is the lowest NRMA Home Loans home loan rate?
The lowest NRMA Home Loans variable home loan rate Ratesniffers tracks is 6.44% p.a., and the lowest fixed rate is 6.49% p.a. These figures come from the 48 NRMA Home Loans products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does NRMA Home Loans offer?
Ratesniffers currently tracks 48 NRMA Home Loans 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.
NRMA Home Loans home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Investor P&I | 6.44% p.a. | 6.48% p.a. | 80% |
| Variable Owner-occupier P&I | 6.49% p.a. | — | 95% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.32% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.49% p.a. | 6.40% p.a. | 95% |
| Variable Owner-occupier P&I | 6.49% p.a. | — | 80% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.16% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.49% p.a. | 6.24% p.a. | 80% |
| Fixed 2-year Owner-occupier P&I | 6.54% p.a. | 6.37% p.a. | 95% |
| Fixed 4-year Owner-occupier P&I | 6.54% p.a. | 6.45% p.a. | 95% |
| Fixed 5-year Owner-occupier P&I | 6.54% p.a. | 6.49% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.54% p.a. | 6.21% p.a. | 80% |
| Fixed 4-year Owner-occupier P&I | 6.54% p.a. | 6.29% p.a. | 80% |
48 NRMA Home Loans home loan products
NRMA Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR 70–80%
NRMA Offset Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
NRMA Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR 70–80%
NRMA Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
NRMA Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,141
LVR 70–80%
NRMA Basic Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
NRMA Basic Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
NRMA Offset Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.66%p.a.
Monthly repayment
$3,207
LVR ≤80%
NRMA Offset Home Loan
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.69%p.a.
Monthly repayment
$3,223
LVR ≤80%
NRMA Basic Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
NRMA Basic Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
NRMA Basic Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
NRMA Offset Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.70%p.a.
Monthly repayment
$3,207
LVR ≤80%
NRMA Offset Home Loan
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
NRMA Offset Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
NRMA Offset Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
NRMA Basic Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
NRMA Basic Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
NRMA Offset Home Loan
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.75%p.a.
Monthly repayment
$3,223
LVR ≤80%
NRMA Offset Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
NRMA Offset Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR ≤80%
NRMA Offset Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR ≤80%
NRMA Offset Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR ≤80%
NRMA Basic Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
NRMA Basic Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR ≤80%
NRMA Basic Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR ≤80%
NRMA Basic Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
—
Monthly repayment
$3,340
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
—
Monthly repayment
$3,340
LVR ≤80%
NRMA Offset Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
—
Monthly repayment
$3,340
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
—
Monthly repayment
$3,340
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
—
Monthly repayment
$3,340
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
—
Monthly repayment
$3,340
LVR ≤80%
NRMA Offset Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
7.14%p.a.
Comparison*
—
Monthly repayment
$3,374
LVR 70–80%
NRMA Basic Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
7.14%p.a.
Comparison*
—
Monthly repayment
$3,374
LVR 70–80%
Negotiate NRMA Home Loans rates with a broker
Advertised rates aren't always the rate NRMA Home Loans actually approves. Our broker negotiates against your specific scenario, no fee.
Who is NRMA Home Loans?
NRMA Home Loans is the home-lending brand of NRMA Insurance, launched in 2023 as a fully digital loan. The application runs on the Tiimely platform (the former Tic:Toc) and the loans are funded by Bendigo and Adelaide Bank, pairing a household insurance brand with established banking infrastructure.
The pitch is simplicity: a competitive digital rate with a fast online application, aimed at borrowers who already know and trust the NRMA name.
Who suits a NRMA Home Loans home loan?
NRMA Home Loans tends to suit straightforward borrowers comfortable with a digital-only process who value a familiar brand. The product menu is deliberately simple, so complex scenarios are better served elsewhere; check how its rate compares in the live table above.
Background facts checked 21 July 2026. Rates above refresh independently.
NRMA Home Loans home loans: frequently asked questions
What is the lowest NRMA Home Loans home loan rate?
NRMA Home Loans's lowest variable home loan rate is currently 6.44% p.a., and its lowest fixed rate is 6.49% p.a., based on the 48 NRMA Home Loans products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate NRMA Home Loans approves, a broker can often negotiate a sharper deal on your scenario.
How does NRMA Home Loans's home loan rate compare to the market?
NRMA Home Loans's lowest variable home loan rate today is 6.44% p.a., which is 35 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 NRMA Home Loans to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where NRMA Home Loans sits right now rather than a fixed snapshot.
How many home loan products does NRMA Home Loans offer?
Ratesniffers currently tracks 48 NRMA Home Loans home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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 NRMA Home Loans competitive for refinancing?
It depends on your loan size and LVR. NRMA Home Loans'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 NRMA Home Loans against the sharpest available rate usually pays off.
How often are NRMA Home Loans's home loan rates updated?
Ratesniffers refreshes NRMA Home Loans's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever NRMA Home Loans reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
NRMA Home Loans rates by borrower and loan type
The same NRMA Home Loans panel, filtered to the scenario you're actually shopping for.
- NRMA Home Loans owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- NRMA Home Loans investor ratesInvestment lending, interest-only where offered.
- NRMA Home Loans refinance ratesRefinance-eligible products versus your current rate.
- NRMA Home Loans first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- NRMA Home Loans fixed rates1 to 5-year terms where available.
- NRMA Home Loans variable ratesFlexible repayments, offset-compatible products.
- NRMA Home Loans interest-only ratesIO terms, mostly investor products.
- NRMA Home Loans 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.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.