Interest
6.08%p.a.
Comparison*
6.12%p.a.
Est. repayment
$3,024
LVR 70 to 80%
NRMA Home Loans Home Loan Rates
Active products
48
Lowest variable
6.08%
Lowest fixed
6.49%
Lowest comparison
6.12%
Last updated
11 Sept 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 are NRMA Home Loans home loan rates?
NRMA Home Loans home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.08% p.a. and the lowest fixed rate currently 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare NRMA Home Loans 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 NRMA Home Loans home loan rate?
The lowest NRMA Home Loans variable home loan rate Ratesniffers tracks is 6.08% 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, checked daily (last verified 11 Sept 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 Owner-occupier P&I | 6.08% p.a. | 6.12% p.a. | 80% |
| Variable Owner-occupier P&I | 6.08% p.a. | 6.28% p.a. | 95% |
| Variable Investor P&I | 6.44% p.a. | 6.48% p.a. | 80% |
| 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% |
| 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
Interest
6.08%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,024
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.32%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.16%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.21%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.32%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.50%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.66%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.59%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.76%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.63%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.21%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.62%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 80%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
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.
NRMA Home Loans home loan repayment calculator
Pre-filled with NRMA Home Loans's lowest advertised variable rate in the table above, 6.08% 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.
NRMA Home Loans's lowest variable today: 6.08%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,024
Fortnightly repayment
$1,395
Total interest
$588,466
30 years at 6.08% (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 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 are NRMA Home Loans home loan rates?
NRMA Home Loans home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.08% p.a., and the lowest fixed rate is 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare NRMA Home Loans 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 NRMA Home Loans balance, use /calculators/extra-repayment.
What is the lowest NRMA Home Loans home loan rate?
NRMA Home Loans's lowest variable home loan rate is currently 6.08% 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, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate NRMA Home Loans approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 NRMA Home Loans home loan?
At NRMA Home Loans's lowest variable rate of 6.08% p.a., a $600,000 principal and interest loan over 30 years repays about $3,628 a month, and $500,000 about $3,024. 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 NRMA Home Loans home loan?
There is no single salary. Like every Australian lender, NRMA Home Loans 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 6.08% p.a. is assessed at about 9.08% 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 NRMA Home Loans's home loan rate compare to the market?
NRMA Home Loans's lowest variable home loan rate today is 6.08% p.a., which is 16 basis points below the market median of 6.24% p.a., which puts NRMA Home Loans among the more competitive lenders on variable rates today. 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 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 NRMA Home Loans competitive for refinancing?
It depends on your loan size and LVR. NRMA Home Loans's lowest comparison rate is currently 6.12% 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 11 Sept 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.