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 |
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.
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.
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.
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.
6.79% p.a. |
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n/a |
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n/a |
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n/a |
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6.87% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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n/a |
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$8.00 monthly |
|
$350.00 |
$20,000 |
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none |
|
none |
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70.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
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yes - free |
|
yes |
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yes - free |
|
$500.00 |
|
yes |
|
yes |
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none |
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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.
6.99% p.a. |
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n/a |
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n/a |
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n/a |
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7.07% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
|
n/a |
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$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
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$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.
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 |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
80.00% |
|
95.00% |
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.
7.26% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.07% p.a. |
|
n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
|
n/a |
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$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
none |
|
70.00% |
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.
7.46% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.27% p.a. |
|
n/a |
|
n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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n/a |
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$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Monthly |
|
yes - free |
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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.
7.09% p.a. |
|
n/a |
|
n/a |
|
n/a |
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7.17% p.a. |
|
n/a |
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n/a |
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n/a |
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n/a |
|
n/a |
|
n/a |
|
n/a |
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n/a |
$0.00 |
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$0.00 |
|
$0.00 |
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$0.00 |
|
n/a |
|
$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
none |
|
70.00% |
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.
7.29% p.a. |
|
n/a |
|
n/a |
|
n/a |
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7.37% p.a. |
|
n/a |
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n/a |
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n/a |
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n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
70.00% |
|
95.00% |
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.
7.29% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.26% p.a. |
|
n/a |
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n/a |
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n/a |
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n/a |
|
n/a |
|
n/a |
|
n/a |
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n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
none |
|
70.00% |
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.
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 |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$8.00 monthly |
|
$350.00 |
$20,000 |
|
none |
|
70.00% |
|
80.00% |
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.
After visiting two brokers prior to coming to NAB, I wasn’t very hopeful starting the home loan process. My mother had recommended NAB for my home loan as I have been with the bank for a long time. I had a meeting with home loan specialist at the bank. He went through the accounts and paper work. Asked for my preference with property and what my needs were and how they can be met by the bank. Within two days I was given a pre-approval. The whole process of buying my first home was so quick and easy. Even now I get a call from the team every 3 or 6 months to have a mini review of my finances and future financial goals. I have never had such a great experience. I opened my account with NAB when i was 16 and now I am 36. I have never till date had any bad experience!
Read full reviewAfter visiting two brokers prior to coming to NAB, I wasn’t very hopeful starting the home loan process. My mother had recommended NAB for my home loan as I have been with the bank for a long time. I had a meeting with home loan specialist at the bank. He went through the accounts and paper work. Asked for my preference with property and what my needs were and how they can be met by the bank. Within two days I was given a pre-approval. The whole process of buying my first home was so quick and easy. Even now I get a call from the team every 3 or 6 months to have a mini review of my finances and future financial goals. I have never had such a great experience. I opened my account with NAB when i was 16 and now I am 36. I have never till date had any bad experience!
Need to keep asking for interest rate review.
Read full reviewNeed to keep asking for interest rate review.
No Hidden extra rates for services or surprise ones
Read full reviewNo Hidden extra rates for services or surprise ones
Refinanced had an existing loan with NAB and got new rate and was offered completive rates and no extra fees, very helpful and friendly service from the Loan Dept.
Read full reviewRefinanced had an existing loan with NAB and got new rate and was offered completive rates and no extra fees, very helpful and friendly service from the Loan Dept.
I got this loan through a trusted 3rd party broker and the local NAB branch don't want anything to do with me. When I go into the local branch for a query they just refer me to their loans help line. The 3rd party broker was much more helpful.
Read full reviewI got this loan through a trusted 3rd party broker and the local NAB branch don't want anything to do with me. When I go into the local branch for a query they just refer me to their loans help line. The 3rd party broker was much more helpful.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Mortgage Simplifier
6.14% p.a. variable
6.17% p.a.
Flex Home Loan
6.24% p.a. variable
6.48% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
SMSF Home Loan (Variable)
6.99% p.a. variable
7.00% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Flex Home Loan Fixed
5.99% p.a.
fixed 3 years
6.41% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
$0.00
Elevate
6.09% p.a.
6.20% 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.