NAB Base Variable Rate Home Loan
Home LoansData Sharing Status
Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.
- From (owner occupied)
- 6.44%
- 6.44% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Owner occupier principal and interest · Based on customer relationship | 6.44% | 6.44% | — |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Owner occupier interest only loans · Based on customer relationship | 7.34% | 6.83% | — |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Residential investor principal and interest · Based on customer relationship | 6.96% |
Fees
| Fee | Type | Amount |
|---|---|---|
Application fee
| Upfront | $0.00 |
| Mortgage Discharge Fee | Event | $350.00 |
| Production of documents | Event | $150.00 |
| Company name search | Event | $40.00 |
| Business name search | Event | $40.00 |
Features
- Redraw facility
- If you’re at least one full repayment ahead, you can redraw $500 or more with no fees. It’s simple to redraw using NAB Internet Banking.
- Digital banking
- Control from your pocket. Stay on top of your home loan through the NAB App. You can track your home loan progress, estimate your property equity and more.
- Flexible repayments. Choose when you make your repayments - weekly, fortnightly or monthly.
- Extra repayments
Eligibility
- Minimum age — 18 years
- Residency status — Australian citizen or permanent resident, or New Zealand citizen. Restrictions apply if residential address is an overseas addresss.
- Lending criteria apply.
Constraints
- Opening balance — $20,000.00
- Maximum LVR — 95%
More Information
Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right · Last updated 7 July 2026 · Product ID e34c524c-6323-468f-8e20-36130e256fd5 · View on CDR.gov.au