NRMA Home Loans


Fact Checked
Last updated 21 June 2025 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • Fixed Basic Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.29 % p.a.
    Fixed 2 years
    Comparison rate
    5.52 % p.a.
    Initial monthly repayment
    $2,773
    Go to site
    • $0 application fee to pay
    • Additional repayments up to $20,000/year
    • Apply in as little as 15 minutes
  • Fixed Offset Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.29 % p.a.
    Fixed 2 years
    Comparison rate
    5.69 % p.a.
    Initial monthly repayment
    $2,773
    Go to site
    • $0 application fee to pay
    • Additional repayments up to $20,000/year
    • Apply in as little as 15 minutes
  • Variable Basic Home Loan

    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.53 % p.a.
    Variable
    Comparison rate
    5.57 % p.a.
    Initial monthly repayment
    $2,848
    Go to site
    • $0 application fee to pay
    • Unlimited additional repayments
    • Apply in as little as 15 minutes
  • Variable Offset Home Loan

    • Owner occupier
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.53 % p.a.
    Variable
    Comparison rate
    5.74 % p.a.
    Initial monthly repayment
    $2,848
    Go to site
    • $0 application fee to pay
    • Apply in as little as 15 minutes
  • Fixed Basic Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.59 % p.a.
    Fixed 2 years
    Comparison rate
    5.87 % p.a.
    Initial monthly repayment
    $2,867
    Go to site
  • Fixed Offset Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.59 % p.a.
    Fixed 2 years
    Comparison rate
    6.04 % p.a.
    Initial monthly repayment
    $2,867
    Go to site
    • $0 application fee to pay
    • Additional repayments up to $20,000/year
    • Apply in as little as 15 minutes
  • Variable Basic Home Loan

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.89 % p.a.
    Variable
    Comparison rate
    5.93 % p.a.
    Initial monthly repayment
    $2,962
    Go to site
    • $0 application fee to pay
    • Only 10% deposit required
    • Apply in as little as 15 minutes
  • Variable Offset Home Loan

    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.89 % p.a.
    Variable
    Comparison rate
    6.09 % p.a.
    Initial monthly repayment
    $2,962
    Go to site
    • $0 application fee to pay
    • Apply in as little as 15 minutes

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* 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.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.