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NAB Tailored Home Loan

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $20,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan of at least $20,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 70%
The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 80%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 70% $20,000
Owner Occupier Principal & Interest 70%-80% $20,000
Owner Occupier Principal & Interest 80%-95% $20,000
Owner Occupier Interest Only < 70% $20,000
Owner Occupier Interest Only 70%-80% $20,000
Investor Principal & Interest < 70% $20,000
Investor Principal & Interest 70%-95% $20,000
Investor Interest Only < 70% $20,000
Investor Interest Only 70%-80% $20,000
  • Owner Occupier (Principal & Interest)
    LVR < 70%
    Loan: $20,000
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan: $20,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-95%
    Loan: $20,000
  • Owner Occupier (Interest Only)
    LVR < 70%
    Loan: $20,000
  • Owner Occupier (Interest Only)
    LVR 70%-80%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR < 70%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR 70%-95%
    Loan: $20,000
  • Investor (Interest Only)
    LVR < 70%
    Loan: $20,000
  • Investor (Interest Only)
    LVR 70%-80%
    Loan: $20,000
Rate
6.79% p.a.
Comparison Rate
6.87% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
6.99% p.a.
Comparison Rate
7.07% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
6.99% p.a.
Comparison Rate
7.07% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
7.26% p.a.
Comparison Rate
7.07% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
7.46% p.a.
Comparison Rate
7.27% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
7.09% p.a.
Comparison Rate
7.17% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
7.29% p.a.
Comparison Rate
7.37% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
7.29% p.a.
Comparison Rate
7.26% p.a.
Service fee
$8.00 monthly
Upfront fee
$0
Rate
7.49% p.a.
Comparison Rate
7.46% p.a.
Service fee
$8.00 monthly
Upfront fee
$0

Mozo editorial review NAB Tailored Home Loan - last updated: 15 April 2024

binocular icon
What's hot
  • 100% offset account
  • Borrow with as little as 5% deposit
What's not
  • $600 application fee
  • High interest rates
Mozo snapshot

Flexibility...now that’s a word Aussie borrowers may appreciate hearing. With the Tailored Home Loan from NAB you won't be short of flexible options, as it offers a 100% offset account, free extra repayments and a redraw facility among other features. 

key icon
Key features

A flexible, feature-packed option, the Tailored Home Loan is available to both owner-occupier and investor borrowers on amounts starting from $200,000. With a deposit requirement as low as 5%, the loan could be suitable for low deposit borrowers looking to get into a home faster, although Lenders’ Mortgage Insurance may apply for those with an LVR above 80%. 

How about rates? Well, they're certainly on the higher side, as the lowest variable rate currently available on the loan is 6.79% p.a. (6.87% p.a comparison rate*) for owner occupiers making principal and interest repayments. 

When it comes to features, the Tailored Home Loan customers to cut down on the interest they pay with the help of a 100% offset account, plus borrowers will also be able to make extra repayments towards the loan and redraws via the redraw facility (min. $500 redraw amount). And repayments are flexible as they can be made on a weekly, fortnightly or monthly basis.





snapshot
Who is it good for

Anyone who prefers doing their banking with a major bank and is looking for a flexible, feature-packed home loan that comes with a 100% offset account and free extra repayments.

question icon
Any catches

Although the 95% LVR is great for getting into your home faster, keep in mind you will need to include Lenders’ Mortgage Insurance in your budget for any LVR over 80%. There are also a number of fees attached to this loan, including an $8 monthly service fee and a $350 discharge fee.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.79% p.a.

n/a

n/a

n/a

6.87% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

33% Discount on Lenders Mortgage Insurance available to First Home Buyers. $600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.99% p.a.

n/a

n/a

n/a

7.07% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

70.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

33% Discount on Lenders Mortgage Insurance available to First Home Buyers. $600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.99% p.a.

n/a

n/a

n/a

7.07% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

80.00%

95.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

33% Discount on Lenders Mortgage Insurance available to First Home Buyers. $600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.26% p.a.

n/a

n/a

n/a

7.07% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

none

70.00%

Features

Owner Occupier

Interest Only

Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

$600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.46% p.a.

n/a

n/a

n/a

7.27% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

70.00%

80.00%

Features

Owner Occupier

Interest Only

Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

$600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.09% p.a.

n/a

n/a

n/a

7.17% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

$600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.29% p.a.

n/a

n/a

n/a

7.37% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

70.00%

95.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

$600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.29% p.a.

n/a

n/a

n/a

7.26% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

none

70.00%

Features

Investor

Interest Only

Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

$600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.49% p.a.

n/a

n/a

n/a

7.46% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$8.00 monthly

$350.00

Other financial bits

$20,000

none

70.00%

80.00%

Features

Investor

Interest Only

Monthly

yes - free

yes

yes - free

$500.00

yes

yes

none

$600 application fee waived for new home loans.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are NAB home loans rated by the Mozo community?

Overall
7.5/10
Price
6.6/10
Features
6.4/10
Customer service
6.5/10
Convenience
7.3/10
Trust
6.5/10
Based on 2973 NAB home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of NAB Tailored Home Loan

About NAB

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a. variable

6.17% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a. variable

6.20% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a. variable

6.39% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for loans.com.au
loans.com.au

Variable Home Loan 90

6.04% p.a.

6.06% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a.

6.01% p.a.

$0.00

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a.

6.09% p.a.

$0.00

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a.

6.20% p.a.

$0.00

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

$0.00

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

$0.00

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

$248.00 yearly

Thumbnail icon for loans.com.au
loans.com.au

Variable Home Loan 90

6.04% p.a.

6.06% p.a.

$0.00

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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