NABNAB Base Variable Rate Home Loan
Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.
At a glance
- Variable (owner occ. P&I)
- 6.69%6.69% comparison
- Variable (investor P&I)
- 7.21%
- Max LVR
- 95%
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.69% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 81st lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.21% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 91st lowest of 104 |
Rates
Every rate NAB publishes for this home loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableResidential investor interest only loans | Investment, Interest only | - | - | 7.92% | 7.53% | Based on customer relationship |
| VariableResidential investor principal and interest | Investment, P&I | - | - | 7.21% | 7.21% | Based on customer relationship |
| VariableOwner occupier interest only loans | Owner occupied, Interest only | - | - | 7.59% | 7.08% | Based on customer relationship |
| VariableOwner occupier principal and interest | Owner occupied, P&I | - | - | 6.69% | 6.69% | Based on customer relationship |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Investment, Interest only | 7.67% | 7.92% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I | 6.96% | 7.21% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only | 7.34% | 7.59% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I | 6.44% | 6.69% | up 0.25 |
Each change is logged the night it appears in the rates National Australia Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
When you take it out1
- Application fee
Application fee waiver
No fee
When particular things happen4
- Business name search$40
- Company name search$40
- Mortgage Discharge Fee$350
- Production of documents$150
Features
- Flexible repayments. Choose when you make your repayments - weekly, fortnightly or monthly.
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident, or New Zealand citizen. Restrictions apply if residential address is an overseas addresss.
- Maximum LVR 95%
- Opening balance $20,000
- Lending criteria apply.
Compare it with others
Put this product through a calculator
Published by National Australia Bank under the Consumer Data Right, last changed by them on 10 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.