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Call us on 02 800 68 300
Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

  NRMA Insurance Home Loans

Home Loans available to NRMA Insurance customers
Category: Home Loans  Last Updated September 19, 2024  Effective November 1, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information with Offset Account
Interest Rate
5.54% PA
Comparison Rate
6.04%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 5.98%
  • Lending Rate Type: Variable
  • Interest Rate: 5.98%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.09%
  • Lending Rate Type: Variable
  • Interest Rate: 7.09%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.09%
  • Lending Rate Type: Variable
  • Interest Rate: 7.09%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.20%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.18%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, VARIABLE, 6.39%
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.39%
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.74%
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 6.68%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.74%
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.59%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.42%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw Additional Information: Online redraw available
  • Other Additional Information: Unlimited additional repayments if variable, up to $20,000pa when fixed
  • Other Additional Information: Variable or Fixed Rate
  • Offset Additional Information: 100% Offset Account available on Fixed and Variable rate loans

 Product Eligibility

  • Min Age - 18.

 Bank Fees and Charges

  • Monthly Administration Fee (no Offset) (Periodic), Amount: 0.00.
  • Legal Fees For Establishing The loan  (Variable), Amount: Not Listed.. Additional Information: Payable for services including the preparation of the security documents and/or attending to settlement on our behalf and/or conducting all title search enquiries necessary to effect settlement. This fee is payable on the Settlement Date 
  • Subsequent Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable for a valuation performed as the result of your request for us to deal with a security after settlement.
  • Fixed Rate Break Costs (Variable), Amount: Not Listed.. Additional Information: Break costs may be payable in certain circumstances during a fixed rate term, such as: converting to another annual percentage rate; or Prepaying part (currently more than $20,000 p.a) or all of the outstanding loan
  • Arrears Administration Fee (Event), Amount: 35.00. Additional Information: This fee is debited to your Home Loan Account when you are in arrears. This fee is debited to your Home Loan Account every 28 days thereafter for so long as you remain in arrears.
  • Direct Debit Dishonour Fee (Event), Amount: 10.00. Additional Information: When there are insufficient funds in your account to cover a direct debit, this fee is charged
  • Loan Processing Fee (Upfront), Amount: 150.00.
  • Additional Processing Fee Per Split Loan (Event), Amount: 0.00.
  • Settlement Service Fee (Upfront), Amount: 345.40.
  • Valuation Fee (Upfront), Amount: 0.00.
  • Search Processing Fee (Upfront), Amount: 0.00.
  • Online Redraw Fee (Event), Amount: 0.00.
  • Repayment Recalculation Fee (Event), Amount: 50.00. Additional Information: This fee is charged each time you request that we agree to a decrease in your repayments
  • Loan Variation Fee - Simple (Event), Amount: 150.00. Additional Information: This fee is charged if you apply for us to: Vary your existing contract, Convert to another annual percentage rate, Agree to a request to a consent or change of borrower details, Release or substitute a security (a discharge administration fee may also be payable)
  • Loan Variation Fee - Complex (Event), Amount: 300.00. Additional Information: Payable when we agree to: • Increase your amount of credit or • a transfer subject to mortgage or subsequent mortgage or • a sub division
  • Discharge Administration Fee (Event), Amount: 325.00.
  • Application Fee (Upfront), Amount: 0.00.
  • Redraw (Withdrawal), Amount: 50.00. Additional Information: Payable when you redraw all or part of any repayments made on your loan (minimum $1).
  • Monthly Administration Fee (offset ) (Periodic), Amount: 10.00. Additional Information: Monthly administration fee Payable each month for each loan with an offset: 100% Offset (per account)

 Limitations & Restrictions (Constraints)

  • Min Limit of 300000.00

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