NAB home loan reviews

NAB
NAB's overall rating for home loans

(as rated by the Mozo community)

6.8 / 10

based on 2775 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 3 days ago

NAB

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

Overall rating   9 / 10

Would recommend

Great rates!

Full review

Great rates!

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Alexandra, New South Wales, reviewed 3 days ago

NAB

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

Overall rating   2 / 10

NAB absolutely stinks!

Not at all happy with NAB as we had to sell our investment property, due to lack of work for a couple of months and not being able to keep up with the repayments, even though we had always paid 10-20 percent above the necessary amount. They did...

Full review

Not at all happy with NAB as we had to sell our investment property, due to lack of work for a couple of months and not being able to keep up with the repayments, even though we had always paid 10-20 percent above the necessary amount. They did not give us long at all before they took the situation to court.

    Price   2 / 10

    Features   2 / 10

    Customer service   3 / 10

    Convenience   4 / 10

    Trust   1 / 10

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Colleen, Queensland, reviewed 10 days ago

NAB

NAB home loan review

Overall rating   2 / 10

Really let us down!

NAB really disappointed us - my husband is self-employed and was out of work at the beginning of this year. NAB took our investment property from us!

Full review

NAB really disappointed us - my husband is self-employed and was out of work at the beginning of this year. NAB took our investment property from us!

    Price   4 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   6 / 10

    Trust   3 / 10

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Colleen, Queensland, reviewed about 1 month ago

NAB

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

Overall rating   6 / 10

Typical mortgage

I would prefer it if it could be linked to my velocity.

Full review

I would prefer it if it could be linked to my velocity.

    Price   5 / 10

    Features   1 / 10

    Customer service   4 / 10

    Convenience   6 / 10

    Trust   6 / 10

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Linda, Queensland, reviewed about 1 month ago

NAB

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

Overall rating   9 / 10

Trustworthy

I would highly recommend others to bank with NAB because they are trustworthy and have great features.

Full review

I would highly recommend others to bank with NAB because they are trustworthy and have great features.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Col, Queensland, reviewed about 1 month ago

NAB

NAB home loan review

Overall rating   7 / 10

Good but could be improved upon

I have been with NAB for over 20 years and they have definitely served me well but there are still areas that need to be improved. If you need something stopped then NAB needs to move a bit faster to stop it. Also they need more physical banks,...

Full review

I have been with NAB for over 20 years and they have definitely served me well but there are still areas that need to be improved. If you need something stopped then NAB needs to move a bit faster to stop it. Also they need more physical banks, not less. Even if you have electronic bank sometimes you still need to go to the branch.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Colin, Western Australia, reviewed about 2 months 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 4 months ago

NAB

NAB Base Variable Rate Home Loan (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 4 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 8 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 10 months ago

NAB

NAB Base Variable Rate Home Loan (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 10 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 10 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 10 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 10 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 10 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 11 months ago

NAB

NAB Base Variable Rate Home Loan (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 11 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 11 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 12 months ago

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

    Convenience   6 / 10

    Trust   4 / 10

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Ben, New South Wales, reviewed about 1 year 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 (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

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

    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

  • 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

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    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: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • 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

    7.0

    Based on 109 HSBC 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

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 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: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    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 499 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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