---
title: "NAB Base Variable Rate Home Loan — NATIONAL AUSTRALIA BANK"
description: "Home Loans from NATIONAL AUSTRALIA BANK. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/national-australia-bank/products/e34c524c-6323-468f-8e20-36130e256fd5
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-07T13:59:59Z
---

# NAB Base Variable Rate Home Loan — NATIONAL AUSTRALIA BANK

> Home Loans from NATIONAL AUSTRALIA BANK. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.

## At a glance

- **From (owner occupied):** 6.44% (6.44% comparison)

## Apply

Applications are handled by the provider: [Apply at NATIONAL AUSTRALIA BANK](https://www.nab.com.au/personal/home-loans/nab-online-conditional-approval)

## 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% | 7.09% | — |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Residential investor interest only loans · Based on customer relationship) | 7.67% | 7.39% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application fee — Discount −$600.00 — Application fee waiver (eligibility: Other: The Offer is available from 1 November 2019 until withdrawn by NAB. NAB may vary or end this offer at any time without notice. To be eligible for the Offer, an application must be submitted during the period that the offer is available and then approved, and drawn down within the time period set out in the applicant’s loan offer.) | 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 from NATIONAL AUSTRALIA BANK

- [Overview](https://www.nab.com.au/personal/home-loans/nab-base-variable-rate-home-loan)
- [Terms & conditions](https://www.nab.com.au/personal/home-loans/nab-base-variable-rate-home-loan)
- [Eligibility](https://www.nab.com.au/content/dam/nabrwd/documents/fact-sheets/loans/nab-basic-variable-product-sheet-pdf.pdf)
- [Fees & pricing](https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/personal-banking-fees-and-charges-guide.pdf)

## Data provenance

- Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right
- Product ID: `e34c524c-6323-468f-8e20-36130e256fd5`
- Last updated by the provider: 7 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/national-australia-bank/e34c524c-6323-468f-8e20-36130e256fd5
- Provider page: https://www.cdrcompare.au/brands/national-australia-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000004

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/national-australia-bank/products/e34c524c-6323-468f-8e20-36130e256fd5) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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