The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $749,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $750,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $749,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan of at least $750,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan between $250,000 and $749,999 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan of at least $750,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $250,000 and $749,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $750,000 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 | < 95% | $150,000 | $249,999 |
| | Owner Occupier | Principal & Interest | < 95% | $250,000 | $749,999 |
| | Owner Occupier | Principal & Interest | < 95% | $750,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | $249,999 |
| | Owner Occupier | Interest Only | < 80% | $250,000 | $749,999 |
| | Owner Occupier | Interest Only | < 80% | $750,000 | |
| | Investor | Principal & Interest | < 95% | $150,000 | $249,999 |
| | Investor | Principal & Interest | < 95% | $250,000 | $749,999 |
| | Investor | Principal & Interest | < 95% | $750,000 | |
| | Investor | Interest Only | < 80% | $150,000 | $249,999 |
| | Investor | Interest Only | < 80% | $250,000 | $749,999 |
| | Investor | Interest Only | < 80% | $750,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $150,000 $249,999
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $250,000 $749,999
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $750,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000 $249,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $250,000 $749,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $750,000
Investor (Principal & Interest)
LVR < 95%
Loan: $150,000 $249,999
Investor (Principal & Interest)
LVR < 95%
Loan: $250,000 $749,999
Investor (Principal & Interest)
LVR < 95%
Loan: $750,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000 $249,999
Investor (Interest Only)
LVR < 80%
Loan: $250,000 $749,999
Investor (Interest Only)
LVR < 80%
Loan: $750,000
The NAB Tailored Home Loan (Fixed, Choice Package) offers a competitive range of fixed interest rates and plenty of added features that could suit any home loan seeker. There's a 2.19% rate for 2 years (4.02% comparison rate*) on offer for first home buyers, or a 1 year fixed rate of 2.29% (4.17% comparison rate*). Or borrowers can lock in a 5 year fixed rate of 2.79% (3.95% comparison rate*) for owner-occupiers. NAB has a range of options to suit your needs whether you want an entirely fixed home loan or a split between variable and fixed interest rates. With added extras like a redraw facility, free extra repayments and a repayment holiday feature, this loan provides enough flexibility and bonus options to ensure it can be tailored specifically for you!
NAB’s Tailored Home Loan (Fixed, Choice Package) has a variety of options and fixed interest rates for both owner occupiers and investors. At the moment you can snag 2.19% 2 year fixed rate (4.02% comparison rate*) if you are a first home buyer.
With this loan borrowers are able to choose from various fixed rate options and added features to personalise their loan to suit their individual needs. It allows you to choose from 1 to 5 year fixed rates which gives you repayment and interest certainty for your selected period as you pay off your loan. Additionally, if you want to pay back your loan a little faster, NAB offers free extra repayments of up to $20,000 during the fixed rate period.
Another added bonus of this home loan is that, after the fixed rate period, you have access to a redraw facility of $500 or more if you are ahead on your repayments and just need a little extra cash.
Choosing a Tailored Home Loan from NAB means that you won’t be subject to any application, legal or valuation for the duration of your loan. It gives flexible and personalised repayment options with weekly, fortnightly or monthly payment schedules.
While this loan has an excellent range of options, be mindful that they don’t offer an offset account facility which may not suit what you need. Similarly, there are some additional fees to be aware of like the $395 ongoing yearly service fee and a $350 discharge fee once you have finished paying off your loan.
There is another notable benefit of taking out this Tailored Home Loan however! You can save even more on other NAB products when you take out a home loan, with a 10% ongoing discount on NAB Home Insurance, NAB Home Insurance Essentials, NAB car insurance premiums and more.
So if you’re an existing NAB customer or are looking to save across the board this home loan may be exactly what you’re looking for.
NAB’s Tailored Home Loan (Fixed, Choice Package) could be the ideal loan for a borrower looking for a fixed rate option as well as added extras that can allow them to personalise their loan. Similarly, for someone who wants to save across a range of loan and insurance products - taking out a home loan with NAB could open the door to a one stop shop for discounts.
It’s important to be aware of the $395 yearly service fee that is required on top of your regular repayments, as well as the $350 discharge fee that must be paid at the end of your loan. Also know that there is no offset account option on this home loan which may not be suitable for everyone.
n/a
n/a
n/a
n/a
2.29% (4.17%*)
2.19% (4.02%*)
2.29% (3.91%*)
2.79% (3.95%*)
2.79% (3.87%*)
n/a
n/a
3.92% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
$249,999
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
33% Discount on Lenders Mortgage Insurance available to First Home Buyers.
none
n/a
n/a
n/a
n/a
2.29% (3.95%*)
2.19% (3.82%*)
2.29% (3.73%*)
2.79% (3.79%*)
2.79% (3.73%*)
n/a
n/a
3.67% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$250,000
$749,999
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
33% Discount on Lenders Mortgage Insurance available to First Home Buyers.
none
n/a
n/a
n/a
n/a
2.29% (3.91%*)
2.19% (3.78%*)
2.29% (3.69%*)
2.79% (3.76%*)
2.79% (3.70%*)
n/a
n/a
3.62% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$750,000
none
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
33% Discount on Lenders Mortgage Insurance available to First Home Buyers.
none
n/a
n/a
n/a
n/a
3.79% (4.76%*)
3.58% (4.67%*)
3.58% (4.60%*)
3.79% (4.61%*)
3.79% (4.56%*)
n/a
n/a
4.43% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
$249,999
none
80.00%
Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
3.79% (4.59%*)
3.58% (4.52%*)
3.58% (4.46%*)
3.79% (4.48%*)
3.79% (4.45%*)
n/a
n/a
4.24% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$250,000
$749,999
none
80.00%
Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
3.79% (4.55%*)
3.58% (4.48%*)
3.58% (4.43%*)
3.79% (4.45%*)
3.79% (4.42%*)
n/a
n/a
4.19% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$750,000
none
none
80.00%
Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.59% (4.73%*)
2.49% (4.54%*)
2.59% (4.41%*)
3.09% (4.43%*)
3.09% (4.33%*)
n/a
n/a
4.52% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
$249,999
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.59% (4.51%*)
2.49% (4.35%*)
2.59% (4.23%*)
3.09% (4.27%*)
3.09% (4.19%*)
n/a
n/a
4.27% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$250,000
$749,999
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.59% (4.46%*)
2.49% (4.31%*)
2.59% (4.20%*)
3.09% (4.24%*)
3.09% (4.16%*)
n/a
n/a
4.22% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$750,000
none
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.69% (5.00%*)
2.59% (4.80%*)
2.59% (4.62%*)
3.09% (4.62%*)
3.09% (4.50%*)
n/a
n/a
4.82% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
$249,999
none
80.00%
Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.69% (4.78%*)
2.59% (4.60%*)
2.59% (4.44%*)
3.09% (4.46%*)
3.09% (4.36%*)
n/a
n/a
4.57% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$250,000
$749,999
none
80.00%
Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.69% (4.74%*)
2.59% (4.56%*)
2.59% (4.41%*)
3.09% (4.43%*)
3.09% (4.33%*)
n/a
n/a
4.52% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$750,000
none
none
80.00%
Monthly
yes - free up to $20,000 during the fixed rate period
yes
no
none
yes
no
none
none
none
Security of being with a big 4 bank plus a great discount on the rate if bundled.
Read full reviewSecurity of being with a big 4 bank plus a great discount on the rate if bundled.
I would prefer it if it could be linked to my velocity.
Read full reviewI would prefer it if it could be linked to my velocity.
The staff are always friendly and internet banking is easy to do. I find that NAB helps us spend less money by giving us an advantage to make simpler payments. In my opinion, NAB is leading the way for all other banks.
Read full reviewThe staff are always friendly and internet banking is easy to do. I find that NAB helps us spend less money by giving us an advantage to make simpler payments. In my opinion, NAB is leading the way for all other banks.
It's good, had no problems at all
Read full reviewIt's good, had no problems at all
I really dislike NAB bank because their customer service is extremely bad and do not care for the customer. Especially if you're on a fixed loan, they treat you as if you have no chance of leaving and treat you with utter disrespect. The bank also has very uncompetitive prices, thinking they are "the best bank out there". They keep their prices high for new home loan applicants luring them into bad fixed rates.
Read full reviewI really dislike NAB bank because their customer service is extremely bad and do not care for the customer. Especially if you're on a fixed loan, they treat you as if you have no chance of leaving and treat you with utter disrespect. The bank also has very uncompetitive prices, thinking they are "the best bank out there". They keep their prices high for new home loan applicants luring them into bad fixed rates.
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.
See NAB home loans
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