Home loans | Find home loan options and calculators - NAB From your first questions to your next steps, we’re your partner for every stage - with guidance and tools to plan with confidence. Calculate your home loan repayments Calculate your borrowing power Manage your home loan Refinancing your home loan Buying your first home Investing in a property Explore our home loans Compare our home loans options for new loans for owner occupiers and investors to find one that’s suitable for your needs. For more information on comparison rates and the fees and charges that can apply, refer to our important information section. For owner occupiers Tailored variable rate with offset Enjoy extra flexibility and features with access up to 10 offset accounts. Criteria includes Principal and interest repayments Maximum loan-to-value (LVR) of 70% Not available for company or trust borrowers Access up to 10 offset accounts Access up to 10 offset accounts Make unlimited additional repayments Make unlimited additional repayments Option to split loan into fixed and variable portion Option to split loan into fixed and variable portion $12 monthly service fee No application fee Tailored fixed rate Additional repayment certainty by locking your interest rate for a fixed term. Criteria includes Principal and interest repayments Maximum loan-to-value (LVR) of 70% Not available for company or trust borrowers Repayment certainty during fixed term Repayment certainty during fixed term Pay ahead up to $20,000 during fixed term Pay ahead up to $20,000 during fixed term Option to split loan into fixed and variable portion Option to split loan into fixed and variable portion Choose from 1-5 year fixed rate terms Choose from 1-5 year fixed rate terms $12 monthly service fee No application fee Tailored variable rate with offset Enjoy extra flexibility and features with access up to 10 offset accounts. Criteria includes Principal and interest repayments Investor loan purpose Maximum loan-to-value (LVR) of 70% Not available for company or trust borrowers Access up to 10 offset accounts Access up to 10 offset accounts Make unlimited additional repayments Make unlimited additional repayments Option to split loan into fixed and variable portion Option to split loan into fixed and variable portion $12 monthly service fee No application fee Tailored fixed rate Additional repayment certainty by locking your interest rate for a fixed term. Criteria includes Principal and interest repayments Investor loan purpose Maximum loan-to-value (LVR) of 70% Not available for company or trust borrowers Repayment certainty during fixed term Repayment certainty during fixed term Pay ahead up to $20,000 during fixed term Pay ahead up to $20,000 during fixed term Option to split loan into fixed and variable portion Option to split loan into fixed and variable portion Choose from 1-5 year fixed rate terms Choose from 1-5 year fixed rate terms $12 monthly service fee No application fee

How we calculate your rate The rate range shown for the Tailored variable rate with offset home loan is an estimate only and is based on a loan amount of $750,000 or more. The rate we offer you in the range will depend on your individual circumstances, including (but not limited to) your banking history with NAB, information provided in your application, loan amount, your credit risk and your credit history. This rate could change and may be different on the day of settlement. Why choose a NAB Home Loan​? Reduce interest Save on interest by linking up to 10 offset accounts to your variable rate NAB Tailored home loan. Flexible repayments Pay weekly, fortnightly, or monthly. Feel in control by choosing a repayment amount and schedule that works for you, all from your mobile. Tailored for you Get personalised support to understand your loan options and interest rates, plus access to fast home loan approvals when you’re ready. Stay in control Check your balance, view repayments, access available redraw and manage your home loan in the NAB app and internet banking, whenever it suits you. Exploring home loan options? Talk to a NAB home loan expert about options tailored to your needs, including features like offset accounts and choosing the right loan and interest rate. There’s no commitment until you’re ready to accept a rate and loan offer. Tools and calculators Calculate how much you can afford to borrow and other useful home loan tools. Refinance calculator Use the refinance calculator to estimate repayments, compare options and sense-check your next move. Repayments calculator Select your loan amount and other features to estimate your loan repayments. Borrowing calculator Get an estimate of how much you can afford to borrow for your home. Equity calculator Evaluate your home’s equity and see how you could make it work for you. Home buying made easy We simplify the process so you can focus on what’s next. Plan your finances Check your borrowing power to see how much you can afford – then plan your deposit and estimate repayments. Borrowing calculator Get a pre-approval A pre-approval will give you a clear picture of what you can afford, so you can house-hunt with confidence. Talk to an expert Find your property Do your research with our market reports. Once you find your property, make an offer and apply for your loan. Read market reports Tips Home buying guides Buying your first home – the different stages There’s a lot to consider, so here are some tips and tools to get you started. Buying your next home Thinking about buying a house or freeing up equity? We can help make it happen. Investing in property Find out how investing in property can help you build wealth. Other options to consider Learn about home loans for members of the Australian Defence Force, or how the Australian Government 5% Deposit Scheme could help you buy your first home sooner. Alternatively, if you have or are intending to borrow more than $850,000, learn how you might benefit from becoming a premier customer. NAB Defence Force Home Loans Our NAB Defence Force Home Loan product range is available to eligible Australian Defence Force members. NAB Premier Banking. Your partner for what’s next. Learn what to expect as a NAB Premier Banking customer, explore investment insights and get personalised support to help you reach your financial goals. Australian Government 5% Deposit Scheme We're proudly supporting the Australian Government 5% Deposit Scheme. Find the information you need to buy your home as a first home buyer or single parent. Help and support Get the most out of your NAB home loan and discover popular help and support tasks. How home loan redraw works An easy way to manage your home loan in the NAB app Fix or re-fix your home loan How to increase your home loan More guides to help manage your home loan How NAB home loan repayments work Contact us for home loan related queries This is how you can get in touch. Start a conversation with a banker Log into either NAB Internet Banking or the NAB app. Tap on the message icon. Type ‘speak to a person’ in the conversation window. Speak to a home loan expert about a new or existing home loan. Monday to Friday, 8:00am to 7:00pm (AEST/AEDT) Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT) Book an appointment Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back. Important Information Terms and Conditions Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later. Other important information Information and rates are correct as at 14 September 2026 and are subject to change. The interest rates shown on this page are available on new home loans. Applications for credit are subject to NAB’s credit approval criteria. Terms and Conditions apply to all NAB products and are available on application. Fees and charges are payable. Personal Banking Fees - a guide to fees and charges (PDF, 146KB) Home loan fees and charges © National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686