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NAB Tailored Home Loan (Fixed, Choice Package)

Advertiser disclosure

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

  • 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

Fixed 3 year rate
2.18% p.a.
Comparison Rate
3.88% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.18% p.a.
Comparison Rate
3.70% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.18% p.a.
Comparison Rate
3.67% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.59% p.a.
Comparison Rate
4.60% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.59% p.a.
Comparison Rate
4.47% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.59% p.a.
Comparison Rate
4.43% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate
4.37% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate
4.19% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate
4.16% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.59% p.a.
Comparison Rate
4.62% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.59% p.a.
Comparison Rate
4.44% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.59% p.a.
Comparison Rate
4.41% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review NAB Tailored Home Loan (Fixed, Choice Package) - last updated: 15 September 2021

binocular icon
What's hot
  • 1.99% 2 year fixed rate (3.98% comparison rate*)
  • No application fee
  • Free extra repayments of up to $20,000
  • $2,000 cash bonus offer for refinancers (conditions apply)
What's not
  • No offset account
  • Ongoing $395 yearly service fee
Mozo snapshot

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 2.49% rate for 4 years (3.85% comparison rate*) or a 2 year fixed rate of 1.99% (3.98% comparison rate*) for those looking for a low rate. Or borrowers can lock in a 5 year fixed rate of 2.79% (3.87% 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! 

key icon
Key features

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 1.99% 2 year fixed rate (3.98% comparison rate*) if you are looking to buy a new home. Plus, if you're looking to refinance your home loan before 31 October 2021, you could be eligible for a $2,000 cash bonus. To receive this nifty offer you must be refinancing a home loan of $250,000 or more, from a financial provider other than NAB, UBank, Medfin or Advantage home loans. 

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.

snapshot
Who is it good 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.

question icon
Any catches

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.

Details

Rates and fees information correct as at 20 September 2021. 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

n/a

n/a

n/a

n/a

2.09% (4.16%*)

1.99% (3.98%*)

2.18% (3.88%*)

2.49% (3.85%*)

2.79% (3.87%*)

n/a

n/a

3.92% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$150,000

$249,999

none

95.00%

Features

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.

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.09% (3.94%*)

1.99% (3.79%*)

2.18% (3.70%*)

2.49% (3.69%*)

2.79% (3.73%*)

n/a

n/a

3.67% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$250,000

$749,999

none

95.00%

Features

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.

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.09% (3.89%*)

1.99% (3.75%*)

2.18% (3.67%*)

2.49% (3.66%*)

2.79% (3.70%*)

n/a

n/a

3.62% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$750,000

none

none

95.00%

Features

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.

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

3.59% (4.74%*)

3.59% (4.67%*)

3.59% (4.60%*)

3.89% (4.64%*)

3.89% (4.60%*)

n/a

n/a

4.43% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$150,000

$249,999

none

80.00%

Features

Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

3.59% (4.57%*)

3.59% (4.52%*)

3.59% (4.47%*)

3.89% (4.52%*)

3.89% (4.49%*)

n/a

n/a

4.24% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$250,000

$749,999

none

80.00%

Features

Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

3.59% (4.53%*)

3.59% (4.48%*)

3.59% (4.43%*)

3.89% (4.49%*)

3.89% (4.46%*)

n/a

n/a

4.19% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$750,000

none

none

80.00%

Features

Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.54% (4.73%*)

2.29% (4.51%*)

2.44% (4.37%*)

2.94% (4.38%*)

2.94% (4.28%*)

n/a

n/a

4.52% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$150,000

$249,999

none

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.54% (4.50%*)

2.29% (4.31%*)

2.44% (4.19%*)

2.94% (4.22%*)

2.94% (4.13%*)

n/a

n/a

4.27% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$250,000

$749,999

none

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.54% (4.46%*)

2.29% (4.27%*)

2.44% (4.16%*)

2.94% (4.19%*)

2.94% (4.10%*)

n/a

n/a

4.22% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$750,000

none

none

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.69% (5.00%*)

2.49% (4.78%*)

2.59% (4.62%*)

3.09% (4.62%*)

3.09% (4.50%*)

n/a

n/a

4.82% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$150,000

$249,999

none

80.00%

Features

Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.69% (4.78%*)

2.49% (4.58%*)

2.59% (4.44%*)

3.09% (4.46%*)

3.09% (4.36%*)

n/a

n/a

4.57% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$250,000

$749,999

none

80.00%

Features

Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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 20 September 2021. 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

n/a

n/a

n/a

n/a

2.69% (4.74%*)

2.49% (4.54%*)

2.59% (4.41%*)

3.09% (4.43%*)

3.09% (4.33%*)

n/a

n/a

4.52% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$350.00

Other financial bits

$750,000

none

none

80.00%

Features

Monthly

yes - free up to $20,000 during the fixed rate period

yes

no

none

yes

no

none

none

$2,000 refinance cashback for loans >$250,000, drawdown before 31 October 2021.

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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Based on 2920 NAB home loan reviews

Latest reviews of NAB Tailored Home Loan (Fixed, Choice Package)

About NAB

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.