NAB Tailored Home Loan (Fixed)
This product is available in different versions. Pick the right version for you here.
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 80%
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 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% | $20,000 | |
| | Owner Occupier | Interest Only | < 80% | $20,000 | |
| | Investor | Principal & Interest | < 95% | $20,000 | |
| | Investor | Interest Only | < 80% | $20,000 |
-
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $20,000
-
Owner Occupier (Interest Only)
LVR < 80%
Loan: $20,000
-
Investor (Principal & Interest)
LVR < 95%
Loan: $20,000
-
Investor (Interest Only)
LVR < 80%
Loan: $20,000
3.39% p.a.
4.64% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.39% p.a.
4.64% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.39% p.a.
4.64% p.a.
$8.00 monthly
3.89% p.a.
5.19% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.89% p.a.
5.19% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.89% p.a.
5.19% p.a.
$8.00 monthly
3.69% p.a.
5.15% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.69% p.a.
5.15% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.69% p.a.
5.15% p.a.
$8.00 monthly
3.89% p.a.
5.53% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.89% p.a.
5.53% p.a.
$8.00 monthly
NAB Tailored Home Loan (Fixed)
3.89% p.a.
5.53% p.a.
$8.00 monthly
Mozo Review NAB Tailored Home Loan (Fixed) Review
Last updated: 12 July 2019.
What's hot:
Competitive 3.39% p.a. fixed rate (4.64% p.a. comparison rate*) for 2 years
Free extra repayments up to $20,000 during fixed period
Repayment holiday available
What's not:
$600 application fee
$8 monthly service fee
Mozo snapshot:
If you were looking for a fixed rate home loan that doesn’t leave you feeling locked in, the NAB Tailored Home Loan is well worth a look. There are a number of term lengths available, so you can lock in for as little as 1 year or as many as 5. And with the option to make free extra repayments up to $20,000 during the fixed term and take a repayment holiday, there’s plenty of wiggle room.
Key features:
The NAB Tailored Home Loan lets buyers lock in fixed terms of up to 5 years, with a number of competitive rates under the 4% mark available. There are options for both owner occupiers and investors looking to pay principal and interest or interest only.
Repayments can be made weekly, fortnightly or monthly, and if you want to pay down your loan faster you’ll be able to make up to $20,000 of free extra repayments over the length of the fixed term. The lack of redraw facility means you won’t be able to retrieve those funds though.
You’ll be able to borrow up to 95% of a property’s value, making this a good option for first home buyers looking to hoist themselves up the property ladder. And if your life circumstances change and you need a short repayment holiday, that option is available to you, just as long as you’ve been making extra repayments.
Who it's good for:
This one would appeal to borrowers looking for a high value home loan from a big bank. Owner occupiers should keep an eye out for the 3 and 4 year rates, which offer more value when you take into account fees and other charges.
Any catches?
Along with a couple of one-off fees at the start and end of the loan, you’ll also have to spring for the $8 monthly service fee, which will add up to almost $100 a year.
At the end of the fixed term, your rate will revert to 5.36% p.a., so make sure you’ve got a plan in place as your fixed term nears its end. If that revert rate is a bit too much to stomach, you’ll have to refinance or negotiate a better deal with NAB.
Details
Rates and fees information correct as at 16 July 2019. 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% (4.92%*)
-
3.29% (4.76%*)
-
3.39% (4.64%*)
-
3.69% (4.63%*)
-
3.69% (4.55%*)
-
n/a
-
n/a
-
4.92% p.a.
Fees
-
$600.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$8.00 monthly
-
$350.00
Other financial bits
-
$20,000
-
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
-
Receive $2,000 cashback when refinancing an existing loan of $250,000 or more and holding a NAB transaction account. Drawdown must occur by 31 December 2019. Terms and conditions apply.
Details
Rates and fees information correct as at 16 July 2019. 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
-
4.09% (5.49%*)
-
3.89% (5.32%*)
-
3.89% (5.19%*)
-
4.19% (5.17%*)
-
4.19% (5.08%*)
-
n/a
-
n/a
-
5.49% p.a.
Fees
-
$600.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$8.00 monthly
-
$350.00
Other financial bits
-
$20,000
-
none
-
none
-
80.00%
Features
-
Monthly
-
yes - free up to $20,000 during the fixed rate period
-
yes
-
no
-
none
-
yes
-
no
-
none
-
Receive $2,000 cashback when refinancing an existing loan of $250,000 or more and holding a NAB transaction account. Drawdown must occur by 31 December 2019. Terms and conditions apply.
Details
Rates and fees information correct as at 16 July 2019. 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
-
3.89% (5.50%*)
-
3.69% (5.31%*)
-
3.69% (5.15%*)
-
3.99% (5.12%*)
-
3.99% (5.01%*)
-
n/a
-
n/a
-
5.52% p.a.
Fees
-
$600.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$8.00 monthly
-
$350.00
Other financial bits
-
$20,000
-
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
-
Receive $2,000 cashback when refinancing an existing loan of $250,000 or more and holding a NAB transaction account. Drawdown must occur by 31 December 2019. Terms and conditions apply.
Details
Rates and fees information correct as at 16 July 2019. 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
-
3.99% (5.91%*)
-
3.89% (5.71%*)
-
3.89% (5.53%*)
-
4.09% (5.44%*)
-
4.09% (5.31%*)
-
n/a
-
n/a
-
5.97% p.a.
Fees
-
$600.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$8.00 monthly
-
$350.00
Other financial bits
-
$20,000
-
none
-
none
-
80.00%
Features
-
Monthly
-
yes - free up to $20,000 during the fixed rate period
-
yes
-
no
-
none
-
yes
-
no
-
none
-
Receive $2,000 cashback when refinancing an existing loan of $250,000 or more and holding a NAB transaction account. Drawdown must occur by 31 December 2019. Terms and conditions apply.
Customer Reviews
How are NAB home loans rated by the Mozo community?
Latest reviews of NAB Tailored Home Loan (Fixed)
- Overall9/10
Good
Very good
Read full review
Very good
Price8/10Features9/10Customer service8/10Convenience9/10Trust6/10Less
Dominic | Western Australia
reviewed over 1 year ago
- Overall9/10
Very satisfied overall, low fees and great service
Very happy with the low fees and great service
Read full review
Very happy with the low fees and great service
Price8/10Features-Customer service-Convenience-Trust-Less
Carly | South Australia
reviewed about 2 years ago
- Overall5/10
Not thoroughly happy
Asked for insurance then I went to claim and they said I didn't have it. Not happy.
Read full review
Asked for insurance then I went to claim and they said I didn't have it. Not happy.
Price6/10Features6/10Customer service1/10Convenience8/10Trust1/10Less
Sharee | New South Wales
reviewed over 3 years ago
- Overall2/10
Staff training required
I've been given incorrect info on loan amounts from staff
Read full review
I've been given incorrect info on loan amounts from staff
Price2/10Features2/10Customer service4/10Convenience2/10Trust2/10Less
Tara | Queensland
reviewed over 3 years ago
- Overall4/10
Just another big bank
Like most banks NAB has high fees for some products and it can be difficult speaking to the right...
Read full review
Like most banks NAB has high fees for some products and it can be difficult speaking to the right person as you go from department to department. Generally my dealings with them have been ok, except for the last time I applied for a loan - terrible!
Price4/10Features5/10Customer service5/10Convenience5/10Trust3/10Less
Janelle | Victoria
reviewed over 3 years ago
About NAB
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.
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