NAB home loan reviews

NAB
NAB's overall rating for home loans

(as rated by the Mozo community)

7.2 / 10

based on 864 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from NAB

Recent NAB home loan reviews

NAB

NAB Base Variable Rate Home Loan (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

    Customer service   -1 / 10

    Convenience   6 / 10

    Trust   4 / 10

Less

Ben (NSW), reviewed 5 days 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Lynne (QLD), reviewed 5 months 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Sharon (NSW), reviewed 5 months ago

NAB

NAB Base Variable Rate Home Loan (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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Sharron (WA), reviewed 5 months 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Glenn (VIC), reviewed 6 months 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Ben (VIC), reviewed 7 months ago

NAB

NAB home loan review

Overall rating   9 / 10

Good customer relations

I have found the staff knowledgeable, friendly and efficient and I always enjoy my dealings with the bank.

Full review

I have found the staff knowledgeable, friendly and efficient and I always enjoy my dealings with the bank.

    Price   7 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Karin (NSW), reviewed 7 months ago

NAB

NAB home loan review

Overall rating   9 / 10

Good service, help and advice. Always friendly!

I've been with this bank for 50 years and will never change. The service has always been great for me with any type of loan. No cons that I can think of.

Full review

I've been with this bank for 50 years and will never change. The service has always been great for me with any type of loan. No cons that I can think of.

    Price   7 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Jeff (QLD), reviewed 8 months ago

NAB

NAB Flexiplus Mortgage home loan review

Overall rating   8 / 10

Could improve their interest rates

Very helpful over the phone. Offers good customer service but they do not send offers with regards to lowering interest rates.

Full review

Very helpful over the phone. Offers good customer service but they do not send offers with regards to lowering interest rates.

    Price   7 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Penelope (NSW), reviewed 9 months ago

NAB

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

Overall rating   7 / 10

Extremely helpful in times of need

They have helped in times of need with very little fuss and never made me feel uncomfortable.

Full review

They have helped in times of need with very little fuss and never made me feel uncomfortable.

    Price   8 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Corinne (NSW), reviewed 9 months ago

NAB

NAB home loan review

Overall rating   8 / 10

Great bank, been with them for 20 years

This bank has been fantastic for me. Staff are always ready and willing to help.

Full review

This bank has been fantastic for me. Staff are always ready and willing to help.

    Price   8 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Kate (NSW), reviewed 11 months ago

NAB

NAB 2 year Special Tailored Home Loan (Owner Occupier, Principal & Interest) (Fixed, Choice Package) home loan review

Overall rating   10 / 10

Helps make banking simpler

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.

Full review

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.

    Price   7 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Cynthia (WA), reviewed 11 months ago

NAB

NAB Flexiplus Mortgage (Choice Package) home loan review

Overall rating   6 / 10

Overall average banker

NAB need to improve on their customer experience.

Full review

NAB need to improve on their customer experience.

    Price   5 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Andrew (VIC), reviewed 11 months ago

NAB

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

Overall rating   10 / 10

Easy to navigate website and applications

I have been with NAB for a long time and they have always provided top customer service.

Full review

I have been with NAB for a long time and they have always provided top customer service.

    Price   10 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Kim (WA), reviewed about 1 year ago

NAB

NAB home loan review

Overall rating   7 / 10

Easy online banking and reasonable rates

I primarily like this bank - Good online facility (rarely need to visit branch) - Available staff when needed (not frequently)- Drop interest rates when reserve bank does

Full review

I primarily like this bank - Good online facility (rarely need to visit branch) - Available staff when needed (not frequently)- Drop interest rates when reserve bank does

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   5 / 10

Less

Jennifer (NSW), reviewed over 1 year ago

NAB

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

Overall rating   9 / 10

Understanding people

Helped us with what we needed

Full review

Helped us with what we needed

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   -1 / 10

    Trust   9 / 10

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Allan (SA), reviewed over 1 year ago

NAB

NAB home loan review

Overall rating   10 / 10

Do tell friends and family of supportive network.

NAB staff very reassuring and helpful.

Full review

NAB staff very reassuring and helpful.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Liliana (VIC), reviewed over 1 year ago

NAB

NAB home loan review

Overall rating   10 / 10

Excellent services and a pleasure to deal with

Never have any problems if I call or go to a branch, delightful customers service. Internet banking is fantastic. Had another bank trying to get us too change from the NAB so I rang and they better the offer of the other bank. Very happy

Full review

Never have any problems if I call or go to a branch, delightful customers service. Internet banking is fantastic. Had another bank trying to get us too change from the NAB so I rang and they better the offer of the other bank. Very happy

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tony (VIC), reviewed over 1 year ago

NAB

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

Overall rating   8 / 10

Great customer service

I like them because they always do what I ask them with great efficiency

Full review

I like them because they always do what I ask them with great efficiency

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Darryl (VIC), reviewed over 1 year ago

NAB

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

Overall rating   7 / 10

Happy with them

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Maree (QLD), reviewed over 1 year ago

NAB

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

Overall rating   5 / 10

You can do better.

I have had a mortgage with NAB since 2008, but can't say I think much of their customer service. In the past I have had to repeatedly follow up to make sure things progress. They have been so slow on one occasion it took over four months to get a...

Full review

I have had a mortgage with NAB since 2008, but can't say I think much of their customer service. In the past I have had to repeatedly follow up to make sure things progress. They have been so slow on one occasion it took over four months to get a fixed rate locked in, which is beyond ridiculous. Minor requests have also often not been actioned correctly. That said, the customer service people have always been really nice, which is a positive because the same cannot be said of many organisations. Overall the product is just okay. Other organisations offer better rates and the customer service is decent but the follow-through and accuracy are frequently sub par, but you have the safety of a large bank.

    Price   6 / 10

    Features   6 / 10

    Customer service   4 / 10

    Convenience   4 / 10

    Trust   3 / 10

Less

Sarah (SA), reviewed over 1 year ago

NAB

NAB home loan review

Overall rating   8 / 10

Happy.

I'm very happy with NAB.

Full review

I'm very happy with NAB.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Mile (VIC), reviewed over 1 year ago

NAB

NAB home loan review

Overall rating   8 / 10

Friendly and helpful

I have found the staff at the NAB so helpful and the are always ringing me for new products. At my age I need people that are helpful.

Full review

I have found the staff at the NAB so helpful and the are always ringing me for new products. At my age I need people that are helpful.

    Price   6 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Chris (QLD), reviewed over 1 year ago

NAB

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

Overall rating   9 / 10

Great customer service

We are so fortunate having a small local bank branch that provides individual advice and assistance.

Full review

We are so fortunate having a small local bank branch that provides individual advice and assistance.

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Mavourneen (SA), reviewed over 1 year ago

NAB

NAB home loan review

Overall rating   10 / 10

Wouldn't go anywhere else

This is our second NAB home loan and they never disappoint! Excellent rates and customer service every time!

Full review

This is our second NAB home loan and they never disappoint! Excellent rates and customer service every time!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Joel (QLD), 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 Homebuyer Special (Owner Occupier, Principal & Interest)

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

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

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

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

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% 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: $700,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians 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)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 525 home loans in the Mozo comparison engine.

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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