NAB home loan reviews

NAB
NAB's overall rating for home loans

(as rated by the Mozo community)

6.8 / 10

based on 2769 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from NAB

Recent NAB home loan reviews

NAB

NAB Flexiplus Mortgage home loan review

Overall rating   10 / 10

Thank you so much

I love NAB. It is the best bank ever.

Full review

I love NAB. It is the best bank ever.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jihee, Western Australia, reviewed 12 days ago

NAB

NAB home loan review

Overall rating   8 / 10

Great to deal with

They were very helpful on initial setup. Were accomodating and understanding when we queried the rate. They send regular updates of rate changes and how we can fix our rate if we want to. Online/mobile app is very user friendly.

Full review

They were very helpful on initial setup. Were accomodating and understanding when we queried the rate. They send regular updates of rate changes and how we can fix our rate if we want to. Online/mobile app is very user friendly.

    Price   8 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Kayla, New South Wales, reviewed 2 months ago

NAB

NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Great to deal with

They were very helpful on initial setup. Were accomodating and understanding when we queried the rate. They send regular updates of rate changes and how we can fix our rate if we want to. Online/mobile app is very user friendly.

Full review

They were very helpful on initial setup. Were accomodating and understanding when we queried the rate. They send regular updates of rate changes and how we can fix our rate if we want to. Online/mobile app is very user friendly.

    Price   8 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Kayla, Victoria, reviewed 2 months ago

NAB

NAB Tailored Home Loan (Owner Occupier, Principal & Interest, Fixed) home loan review

Overall rating   9 / 10

Good

Very good

Full review

Very good

    Price   8 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   6 / 10

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Dominic, Western Australia, reviewed 7 months ago

NAB

NAB home loan review

Overall rating   5 / 10

Needs more openess

All banks need more personal contact with the people.

Full review

All banks need more personal contact with the people.

    Price   7 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   5 / 10

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Peter, South Australia, reviewed 8 months ago

NAB

NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

I do not bank online

Low interest, excellent, friendly service. Reliable, I feel financially safe.

Full review

Low interest, excellent, friendly service. Reliable, I feel financially safe.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Yvonne, Queensland, reviewed 8 months ago

NAB

NAB Flexiplus Mortgage home loan review

Overall rating   10 / 10

Excellent customer service

Pros with this bank is rates are compatible

Full review

Pros with this bank is rates are compatible

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Leanne, Victoria, reviewed 8 months ago

NAB

NAB Tailored Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   2 / 10

Good customer service

Paying too much interest

Full review

Paying too much interest

    Price   4 / 10

    Features   3 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   6 / 10

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Susan, Victoria, reviewed 8 months ago

NAB

NAB home loan review

Overall rating   10 / 10

Always helpful

My husband and myself have been very happy with our home loan and service.

Full review

My husband and myself have been very happy with our home loan and service.

    Price   10 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Trish, Queensland, reviewed 8 months ago

NAB

NAB Flexiplus Mortgage (Choice Package) home loan review

Overall rating   5 / 10

Good

Good.

Full review

Good.

    Price   5 / 10

    Features   7 / 10

    Customer service   5 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Alyssa, Victoria, reviewed 8 months ago

NAB

NAB Tailored Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Excellent

Great service and product

Full review

Great service and product

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Wayne, Victoria, reviewed 9 months ago

NAB

NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   4 / 10

We have stuck with them but now looking for better

They have not stuck to their promise of always having the best rates

Full review

They have not stuck to their promise of always having the best rates

    Price   4 / 10

    Features   5 / 10

    Customer service   3 / 10

    Convenience   4 / 10

    Trust   4 / 10

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Raymond, Western Australia, reviewed 9 months ago

NAB

NAB Tailored Home Loan (Owner Occupier, Principal & Interest) (Choice Package) home loan review

Overall rating   8 / 10

Reliable and flexible

They have been consistent with meeting my needs

Full review

They have been consistent with meeting my needs

    Price   9 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Celine, Victoria, reviewed 9 months ago

NAB

NAB home loan review

Overall rating   10 / 10

Excellent customer service and great premiums.

I like my bank because I have a very lovely lady banker and she is worth her weight in gold. She has helped me enormously to get me where I am today. I don't know where I would be today if it wasn't for her.

Full review

I like my bank because I have a very lovely lady banker and she is worth her weight in gold. She has helped me enormously to get me where I am today. I don't know where I would be today if it wasn't for her.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Leonnie, Queensland, reviewed 10 months ago

NAB

NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   5 / 10

OK

I once emailed to cancel a direct debit was given the run around -another $160 went out

Full review

I once emailed to cancel a direct debit was given the run around -another $160 went out

    Price   4 / 10

    Features   2 / 10

    Convenience   6 / 10

    Trust   4 / 10

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Ben, New South Wales, reviewed 10 months ago

NAB

NAB home loan review

Overall rating   1 / 10

No service

When interest rates went up, NAB hiked the rates in the next month - when they came down we had to wait three to four months to see the benefit. I wrote them a letter and was told we have so many customers we couldn't possibly get the paper work...

Full review

When interest rates went up, NAB hiked the rates in the next month - when they came down we had to wait three to four months to see the benefit. I wrote them a letter and was told we have so many customers we couldn't possibly get the paper work done within the month for lower rates. I pointed out that they were well able to do so when the rates went up. They wrote that mortgages didn't bring them any money and that it was a service for the community. We moved banks as soon as we could after that - I no longer trusted them, although some of their front line people were great.

    Price   0 / 10

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Lynne, Queensland, reviewed over 1 year ago

NAB

NAB Flexiplus Mortgage home loan review

Overall rating   3 / 10

Slow disjointed and unsupportive process

Slow and difficult application process that goes through a number of people who make mistakes and then charge customers for them.

Full review

Slow and difficult application process that goes through a number of people who make mistakes and then charge customers for them.

    Price   6 / 10

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Sharon, New South Wales, reviewed over 1 year ago

NAB

NAB Tailored Home Loan (Owner Occupier, Principal & Interest, Fixed) home loan review

Overall rating   9 / 10

Very satisfied overall, low fees and great service

Very happy with the low fees and great service

Full review

Very happy with the low fees and great service

    Price   8 / 10

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Carly, South Australia, reviewed over 1 year ago

NAB

NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   7 / 10

Great customer service

They adjusted our loan when requested, but I dislike that they've put their rates up recently.

Full review

They adjusted our loan when requested, but I dislike that they've put their rates up recently.

    Price   7 / 10

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Sharron, Western Australia, reviewed over 1 year ago

NAB

NAB home loan review

Overall rating   8 / 10

Great customer service, friendly and helpful

Friendly and knowledgeable staff.

Full review

Friendly and knowledgeable staff.

    Price   6 / 10

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Tamra, South Australia, reviewed over 1 year ago

NAB

NAB Flexiplus Mortgage home loan review

Overall rating   9 / 10

Great responsiveness and customer service

They have always been responsive and helpful. I would encourage anybody to compare rates and services but I have always been happy with NAB.

Full review

They have always been responsive and helpful. I would encourage anybody to compare rates and services but I have always been happy with NAB.

    Price   8 / 10

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Glenn, Victoria, reviewed over 1 year ago

NAB

NAB Flexiplus Mortgage home loan review

Overall rating   2 / 10

Expensive provider

Expensive

Full review

Expensive

    Price   1 / 10

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Bruce, New South Wales, reviewed over 1 year ago

NAB

NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   7 / 10

Fairly good

they have their own money before they get yours

Full review

they have their own money before they get yours

    Price   6 / 10

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Graham, New South Wales, reviewed over 1 year ago

NAB

NAB Tailored Home Loan (Owner Occupier, Principal & Interest) (Choice Package) home loan review

Overall rating   6 / 10

Unsatisfactory service

I wasn't very happy when they were reluctant to extend my home loan so that I could complete renovations.

Full review

I wasn't very happy when they were reluctant to extend my home loan so that I could complete renovations.

    Price   7 / 10

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Ben, Victoria, reviewed over 1 year ago

NAB

NAB home loan review

Overall rating   10 / 10

Attentive to customers

Approachable local branch

Full review

Approachable local branch

    Price   9 / 10

Less

Bree, Queensland, reviewed over 1 year ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.8

    Based on 2769 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 242 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018

    interest rate

    3.72% p.a. variable

    comparison rate*

    4.12% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018
    • Interest rate: 3.72% p.a. variable
    • Comparison rate*: 4.12% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 208 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 505 home loans in the Mozo comparison engine.

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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.

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