NAB home loans

How we calculate Home Loan Finder Scores

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What different scores mean

9+

Excellent

These home loans offer low costs, coupled with a host of features, giving the best overall value.

7+

Great

These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.

5+

Standard

Usually the home loans would offer above average rates. They may still include some competitive features.

0+

Basic

Higher costs and/or fewer features.

Compare NAB home loans for December 2025

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Finder Score	Interest Rate p.a.	Comparison Rate p.a.	Fees	Custom Badges	Monthly Payment
Finder score 8.9 Great NAB Defence Force Fixed Rate Home Loan	Finder score 8.9 Great	Interest Rate 5.19%	Comparison Rate 5.96%	Fees Application: $0 Ongoing: $96 p.a.	Principal & Interest 2Y Fixed5% min. equityOwner-occupierLMI	Monthly Payment $824 per month	Enquire nowView details Compare product selection Compare	loading
Finder score 8.9 Great NAB Interest Only in Advance Fixed Rate	Finder score 8.9 Great	Interest Rate 5.49%	Comparison Rate 6.27%	Fees Application: $0 Ongoing: $96 p.a.	Interest only 3Y Fixed30% min. equityInvestment	Monthly Payment $852 per month	Enquire nowView details Compare product selection Compare	loading
Finder score 8.8 Great NAB Choice Package Fixed Rate Home Loan	Finder score 8.8 Great	Interest Rate 5.19%	Comparison Rate 7.32%	Fees Application: $0 Ongoing: $395 p.a.	Principal & Interest 2Y Fixed5% min. equityOwner-occupierLMI	Monthly Payment $824 per month	Enquire nowView details Compare product selection Compare	loading
Finder score 8.8 Great NAB Defence Force Fixed Rate Home Loan	Finder score 8.8 Great	Interest Rate 5.29%	Comparison Rate 5.92%	Fees Application: $0 Ongoing: $96 p.a.	Principal & Interest 3Y Fixed5% min. equityOwner-occupierLMI	Monthly Payment $833 per month	Enquire nowView details Compare product selection Compare	loading
Finder score 8.8 Great NAB Defence Force Choice Package Fixed Home Loan	Finder score 8.8 Great	Interest Rate 5.19%	Comparison Rate 6.24%	Fees Application: $0 Ongoing: $395 p.a.	Principal & Interest 2Y Fixed5% min. equityOwner-occupierLMI	Monthly Payment $824 per month	Enquire nowView details Compare product selection Compare	loading

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NAB mortgage features

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

How do I apply for a mortgage from NAB?

Eligibility

• 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

📄 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).

Lenders like NAB

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

• ANZ
• Commonwealth Bank
• Westpac

More home loan questions

• How do I compare NAB home loans?

  To make sure you find the right NAB loan you need a clear idea of what you're looking for in a mortgage. These simple questions can help:

  • Do you want help from an actual person? As NAB has an extensive network of branches, you can talk to staff in person when you need home loan help. This is something online lenders and smaller banks may not be able to offer.
  • What do you need the loan for? If you're buying a home to live in you need an owner-occupier loan. Property investors need an investment loan rate. NAB has multiple loan options for both.
  • Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a certain period so you can forget about rate changes completely?
  • What features do you need? You need to decide whether you need features like a 100% offset account, the ability to make extra repayments and the option to split your rate.

• Does NAB offer home loan pre-approval?

  NAB offers pre-approval to its borrowers, which it calls conditional approval. You can apply for conditional approval with NAB via phone, online or in person at a branch.

  Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.

• Are there any risks going with a smaller lender?

  Most Australian borrowers bank with one of the Big Four (Commbank, Westpac, NAB and ANZ). They have physical branches and ATMs in the most locations and strong customer support. These are big advantages.

  But if you're worried that smaller lenders are unsafe or less reliable, you probably shouldn't. In Australia, most lenders are authorised deposit-taking institutions (ADIs) and are regulated by the Australian Prudential Regulation Authority (APRA). Almost every lender has a banking licence or partners with a bank.

  There's an assumption that interest rates from the Big Four are less competitive than smaller lenders. And while this is broadly true, the gap has shrunk dramatically in recent years. You can get a very good deal from lenders large and small.

• Should I go with a fixed or variable rate?

  Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing.

  A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.

• Do I need a mortgage broker?

  Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically charges you no fee, because they receive a commission from your lender. Brokers are great if you are short on time or find the whole process of researching and applying for a home loan confusing. But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

Written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise

Richard has written 678 Finder guides across topics including:

• Home loans
• Credit cards
• Personal finance
• Money-saving tips