NRMA Home Loans
Every product NRMA Home Loans publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 9 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Adelaide Bank, AFG Home Loans Alpha, Aussie Elevate, Bendigo Bank, Connective Select, Qantas Money Basic/Offset Home Loans, Rural Bank, Tiimely Home and Up under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 237879, held by Bendigo and Adelaide Bank Limited; credit licence since 6 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
3 products in 2 categories
NRMA Home Loans's rates today
NRMA Home Loans's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where NRMA Home Loans sits among every institution's best
| Rate | NRMA Home Loans | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.33%NRMA Basic Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.69%NRMA Basic Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
NRMA Home Loans home loan repayments
Repayments at NRMA Home Loans's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableNRMA Basic Home Loan6.33%6.37% comparison$3,726a month
$741,208 in interest, $1,341,208 repaid in all
- 1-year fixedNRMA Basic Home Loan6.59%6.40% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
- 2-year fixedNRMA Basic Home Loan6.59%6.42% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
- 3-year fixedNRMA Basic Home Loan6.69%6.47% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
- 5-year fixedNRMA Basic Home Loan6.79%6.57% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- Investor variableNRMA Basic Home Loan6.69%6.73% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not NRMA Home Loans's own calculator: confirm the rate with NRMA Home Loans before you apply.
NRMA Home Loans home loan rates
Compare across banks2 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.33%, with a comparison rate of 6.37%, on its NRMA Basic Home Loan: 38th lowest of 104 lenders.
- NRMA Basic Home Loan
- Variable (owner occ. P&I)
- 6.19%, 6.23% comparison
- Variable (investor P&I)
- 6.57%
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- NRMA Offset Home Loan
- Variable (owner occ. P&I)
- 6.19%, 6.39% comparison
- Variable (investor P&I)
- 6.57%
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
NRMA Home Loans savings and transaction account rates
Compare across banks1 product
Its highest savings rate is 0.00%, on its NRMA Offset Account: 74th highest of 84 institutions, level with 10 others.
Has NRMA Home Loans passed on the RBA's November 2026 rate rise?
NRMA Home Loans hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Fri 9 Oct
NRMA Home Loans lifted 37 variable home loan rates by 0.25 percentage points.
0.25- NRMA Basic Home Loan (16 rates)
- NRMA Offset Home Loan (21 rates)
Mon 5 Oct
NRMA Home Loans lifted 65 fixed home loan rates by 0.05 to 0.25 percentage points.
0.05 to 0.25- NRMA Basic Home Loan (20 rates)
- NRMA Offset Home Loan (45 rates)
Published by NRMA Home Loans under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.