NAB home loans

NAB has home loans for owner-occupiers and investors, with rates starting from 2.09%.

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NAB is one of Australia's Big Four banks. NAB has home loans for investors and owner-occupiers, including fixed and variable rates and home loan packages. Check out the full table of NAB products below or read more about the lender and its loans.

Compare NAB home loans for December 2021

Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "more info".

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

NAB Choice Package Fixed Rate Home Loan P&IHome 2Y Fixed≥ 5% Deposit

NAB Choice Package Fixed Rate Home Loan
  • App: $0
  • Ongoing: $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 P&IInvestment 2Y Fixed≥ 10% Deposit

NAB Choice Package Fixed Rate Home Loan
  • App: $0
  • Ongoing: $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 P&IHome 3Y Fixed≥ 5% Deposit

NAB Choice Package Fixed Rate Home Loan
  • App: $0
  • Ongoing: $395 p.a.
Unlock discounts on interest rates and other products with the Choice Package loan. Available with a 5% deposit.

NAB Defence Force Fixed Rate Home Loan P&I 4Y Fixed≥ 5% Deposit

NAB Defence Force Fixed Rate Home Loan
  • App: $0
  • Ongoing: $395 p.a.
Fix your rate for 4 years and have the option to pay up $20,000 in additional repayments.

NAB Base Variable Rate Home Loan P&IHome≥ 5% Deposit

NAB Base Variable Rate Home Loan
  • App: $0
  • Ongoing: $0 p.a.

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NAB key facts

  • NAB is one of Australia's biggest lenders and has a large range of home loan products. This includes package home loans with lots of extra features and simpler loans with just the basics.
  • NAB has a nationwide network of bank branches plus phone support and online support.
  • You can get some NAB home loans with a deposit as low as 5%, but many loans require a standard 20% deposit.
  • NAB also offers personal loans, credit cards, savings accounts and other banking products and services.

Review by our senior home loans writer Richard Whitten

NAB mortgage features

Here are the key features and details you need to know about NAB's mortgage products.

Deposit sizeYou can borrow up to 95% with some NAB mortgages, including some very competitive rates. But many rates require larger deposits, so look carefully at each loan's LVR.
Offset accountSome NAB loans come with 100% offset accounts, but not all of them, so check carefully before applying.
Repayment optionsNAB's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.
Package BenefitsNAB's package home loans offer discounted mortgage rates, offset accounts and fee waivers on the loan and a credit card.

How do I apply for a NAB mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


Each NAB product has 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:

📄 Property details: You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, 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).

How to apply for a home loan

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If you're interested in Australia's biggest banks you can also compare loans from NAB's Big Four rivals.

More home loan questions

More guides on Finder

  • NAB Choice Package Fixed Rate Home Loan Review

    Bundle your Fixed Rate loan with a Choice Package to receive an interest rate discount and extra features.

  • NAB Defence Force Fixed Rate Home Loan

    The NAB Defence Force Fixed Rate Home Loan has few fees, a low interest rate and several flexible options.

  • NAB Base Variable Rate Home Loan

    The NAB Base Variable Rate Home Loan offers a low interest rate with useful features and minimal fees.

  • NAB Portfolio Facility Line of Credit

    With a NAB Portfolio Facility you can access the equity in your home with a flexible, full-featured loan. The NAB Portfolio Facility is a line of credit that allows you to access the equity in your home. It has no application fees, but does have an annual fee.

  • NAB Tailored Home Loan – Fixed Interest Rate

    The NAB Tailored Home Loan - Fixed Rate is a great fixed rate loan that offers many additional features that will help you save. Read this article to find out more and get a secure home loan today.

  • NAB FlexiPlus Mortgage

    If you are looking for a flexible home loan with low fees and a low comparison rate, then determine whether the NAB FlexiPlus Mortgage is for you.

  • NAB Tailored Home Loan – Variable Rate

    If you are looking for a flexible loan with many additional features to help you save money, the NAB Tailored Home Loan - Variable Rate may be the loan for you. Read this article to find out more.

  • NAB Choice Package Fixed Rate Home Loan

    Bundle your Fixed Rate loan with a Choice Package to receive an interest rate discount and extra features.

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8 Responses

    Default Gravatar
    JaneOctober 22, 2021

    Do NAB offer a reverse mortgage ?

      Avatarfinder Customer Care
      RichardOctober 27, 2021Staff

      Hi Jane,

      NAB does not offer reverse mortgages. You can check lenders that do offer reverse mortgages here.

      Hope this helps!


    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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