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6.99%variable
7.12%
$8.00Monthly
$600
National Australia Bank is one of the big four banks who provide a large variety of financial products to the Australian Community. In recent times NAB has set itself apart from the other big four banks; by expanding their ATM network, removing many fees and maintaining low standard variable home loan rates. NAB’s changes to its financial products have made their home loan, credit card, loans, savings accounts and personal loans more competitive within the banking industry.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| NAB home loans |
6.5
Based on 360 NAB home loan reviews |
6.5 | 6.2 | 6.2 | 7.2 | 6.3 |
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Poor interest rates and decent customer service.
The interest rates have risen quickly and disproportionately compared to the Reserve Bank Guide over the last 12 months. I would not have signed up to the mortgage if I'd have known the Bank were going to make decisions like that. Full review
The interest rates have risen quickly and disproportionately compared to the Reserve Bank Guide over the last 12 months. I would not have signed up to the mortgage if I'd have known the Bank were going to make decisions like that.
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good rates, friendly stuff
Friendly service, very good rates and we had everything explained very well. The manager slotted us in for an appointment when it was convenient to us, this is good for families with kids. Full review
Friendly service, very good rates and we had everything explained very well. The manager slotted us in for an appointment when it was convenient to us, this is good for families with kids.
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Promise the world, return nought.
When we signed up we were promised the world. We had our own personal banker to look after us and keep an eye on our needs, review our account in twelve months to see if they could drop the interest rates. I tried to contact my personal banker, le... Full review
When we signed up we were promised the world. We had our own personal banker to look after us and keep an eye on our needs, review our account in twelve months to see if they could drop the interest rates. I tried to contact my personal banker, left several messages and never received a call. I have never heard anything about reviewing our interest rates. The only time I here from anyone from the bank is if I fall behind on my wife's life insurance as it was set up by them. This is two years later.
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not great customer service, but to lazy to change
I find that when i make a mistake with my account they are the first to phone or email or fax or anything else they could contact me with including pigeon!! But when they make a mistake it takes forever to get and answer from a human and them they... Full review
I find that when i make a mistake with my account they are the first to phone or email or fax or anything else they could contact me with including pigeon!! But when they make a mistake it takes forever to get and answer from a human and them they dont even say sorry we did that, they just jump up and down until the poor customer(me)gets fed up and starts to jump up and down back. but at least the error was fixed just 4 weeks later!!!!
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reasonable rates and flexible loan
A good home loan with lower interest than other majors, flexible payments and redraw facility. Love it even more now as I have payed it off! Full review
A good home loan with lower interest than other majors, flexible payments and redraw facility. Love it even more now as I have payed it off!
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Great, friendly staff that give you a smile.
Have been helped with all queries, trivial and important and always with a smile and no sales pitch... Full review
Have been helped with all queries, trivial and important and always with a smile and no sales pitch...
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Make every dollar work for you to reduce your home
This home loan is very simple and nothing special UNTIL, you get the extras that NAB supplies. For an annual fee you can have a Choice package that gives 0.5% off the rate which can quite often save enough to cover the cost of the annual fee. The ... Full review
This home loan is very simple and nothing special UNTIL, you get the extras that NAB supplies. For an annual fee you can have a Choice package that gives 0.5% off the rate which can quite often save enough to cover the cost of the annual fee. The package provides you with bank accounts and a credit card all at no service fee (excluding international fee or late fees). Your bank account can be 100% offset against your loan so every dollar in your account is as good as it being in your home loan. You can treat your home loan as your savings account by paying extra in it and then simply redrawing the surplus when required (min $2k). All of these things can be done without even stepping in the bank, their Internet banking is easy to use and they also have an application for using on phones and iPads. So don't fear the package fee, you won't pay a home loan application fee and you'll save on interest and other fees. Plus you will be in the driving seat to control your money.
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Yes*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan, based on the loan amount and loan term you entered. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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