NAB Home Loans

Compare NAB home loan rates for June 2021.

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On this page you can find information about NAB home loans. Skip ahead to the full table of products or read more about the lender.

Compare NAB home loans

Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
NAB Choice Package Fixed Rate Home Loan
3.97% p.a.
$395 p.a.
Low deposit home loan. Enjoy flexible repayment options while paying limited fees. $2,000 cashback for eligible refinancers.
NAB Choice Package Fixed Rate Home Loan
4.51% p.a.
$395 p.a.
Competitive, fixed investor rate with principal and interest repayments and package discounts. Available with a 10% deposit.
NAB Choice Package Fixed Rate Home Loan
3.83% p.a.
$395 p.a.
Unlock discounts on interest rates and other products with the Choice Package loan. Available with a 5% deposit.

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NAB lender profile

  • NAB is one of Australia's largest lenders, with 30,000 staff serving over 9 million customers.
  • The bank has over 900 locations in Australia and New Zealand.
  • NAB has physical bank branches across the country and customer support online and via phone.

NAB mortgage features

NAB has multiple home loans for investors and owner occupiers, with fixed and variable rates, plus package options and line of credit loans.

Deposit sizeYou can borrow up to 90 or even 95% with many NAB mortgages.
Split rateMost NAB mortgages allow you to split your loan into fixed and variable portions.
Offset accountMost of NAB's lowest rate products don't have offset accounts attached.
RedrawMost NAB products have a redraw facility, including the NAB Choice Package Fixed Rate loan.

How do I apply for a NAB mortgage?

Clicking "Go to Site" on NAB's comparison table will start your application process and redirect you through to NAB's website.


Each NAB product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with NAB you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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6 Responses

    Default Gravatar
    mattOctober 5, 2015

    Just wanting to know some more about the NAB rural home loan packages.
    I would like to buy a rural property as a weekender/hobby farm.
    If i can get some details as so far i have been unable to find on the NAB website.
    We have some savings and also plenty of equity in our residence.
    I trust that we can find out and secure the property which we are looking at.

      Avatarfinder Customer Care
      MarcOctober 6, 2015Staff

      Hi Matt,

      Thanks for the question.

      While there is no specific information relating to NAB’s range of rural home loans, you might want to read our general rural home loans guide. I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.

      I hope this helps,

    Default Gravatar
    ClareFebruary 5, 2014

    We have a NAB Portfolio facility which we set up to purchase our current home. We are considering selling another property we have (it is currently owned outright/we have clear title). If we “zero” the line of credit with NAB, can we obtain the title for our home? If we do this, can we then redraw on the line of credit to purchase something else/for everyday expenses?

      Avatarfinder Customer Care
      ShirleyFebruary 5, 2014Staff

      Hi Clare,

      Thanks for your comment.

      This should be possible with the NAB Portfolio Facility, but ultimately it’s up to NAB to decide. It’s best to contact them directly about this as they would be able to provide you with more personalised information.


    Default Gravatar
    terryongJanuary 8, 2014

    Is Homeside and Homeplus part of national bank?

      Avatarfinder Customer Care
      MarcJanuary 8, 2014Staff

      Hello Terryong,
      thanks for the question.

      Homeside is indeed part of the National Australia Bank (NAB). Homeplus is the name of one of the home loan products offered through Homeside.

      I hope this helps,

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