NAB
NAB Base Variable Rate Home Loan
Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.
Home loansBank updated 17 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.44% · 6.44% comparison
- Variable (investor P&I)
- 6.96%
- Max LVR
- 95%
- Features
- redraw, extra repayments
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableResidential investor interest only loans | Investment · Interest only | — | — | 7.67% | 7.27% | Based on customer relationship |
| VariableResidential investor principal and interest | Investment · P&I | — | — | 6.96% | 6.96% | Based on customer relationship |
| VariableOwner occupier interest only loans | Owner occupied · Interest only | — | — | 7.34% | 6.83% | Based on customer relationship |
| VariableOwner occupier principal and interest | Owner occupied · P&I | — | — | 6.44% | 6.44% | Based on customer relationship |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Business name search | Event | $40 | — | — |
| Company name search | Event | $40 | — | — |
| Mortgage Discharge Fee | Event | $350 | — | — |
| Production of documents | Event | $150 | — | — |
| Application fee | Upfront | No fee | — | Application fee waiver |
§ 03 — Features
RedrawExtra repaymentsDigital banking
- · Flexible repayments. Choose when you make your repayments - weekly, fortnightly or monthly.
§ 04 — Eligibility & 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.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right, last changed by them on 17 Sept 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.