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.
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 September 2025
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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.
Here are the key features and details you need to know about NAB's mortgage products.
Feature
Details
Deposit size
You 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 account
Some NAB loans come with 100% offset accounts, but not all of them, so check carefully before applying.
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
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).
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.
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.
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.
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.
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.
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.
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★★★★★Rokiii (NSW) 2 years ago
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never contacted us not proactive at all very high interest rate
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 657 Finder guides across topics including:
NAB does not offer reverse mortgages. You can check lenders that do offer reverse mortgages here.
Hope this helps!
Cheers,
Richard
mattOctober 5, 2015
Hi,
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.
Thanks,
Matt
Finder
MarcOctober 6, 2015Finder
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,
Marc
ClareFebruary 5, 2014
Hi,
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?
thanks
Finder
ShirleyFebruary 5, 2014Finder
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.
Cheers,
Shirley
terryongJanuary 8, 2014
Is Homeside and Homeplus part of national bank?
Finder
MarcJanuary 8, 2014Finder
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.
NRMA Home Loans offers both fixed and variable home loans both with optional offset accounts. With a digital application, you can apply online with speed and ease.
The tax benefits of a National Rental Affordability Scheme (NRAS) approved property may be tempting, but only if you can get finance first.
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Do NAB offer a reverse mortgage ?
Hi Jane,
NAB does not offer reverse mortgages. You can check lenders that do offer reverse mortgages here.
Hope this helps!
Cheers,
Richard
Hi,
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.
Thanks,
Matt
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,
Marc
Hi,
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?
thanks
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.
Cheers,
Shirley
Is Homeside and Homeplus part of national bank?
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,
Marc.