NAB Base Variable Rate Home Loan
Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.
Category: Home Loans Last Updated August 25, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner occupier principal and interest
Interest Rate
5.69% PA
5.69% PA
Comparison Rate
5.73%PA*
5.73%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 vary based on the LVR and other conditions..
Product Features
- Redraw Additional Information: If you’re at least one full repayment ahead, you can redraw $500 or more with no fees. It’s simple to redraw using NAB Internet Banking.
- Digital Banking Additional Information: Control from your pocket. Stay on top of your home loan through the NAB App. You can track your home loan progress, estimate your property equity and more.
- Other Additional Information: Flexible repayments. Choose when you make your repayments - weekly, fortnightly or monthly.
Product Eligibility
- Min Age - 18.
- Residency Status - Australian Citizen Or Permanent Resident, Or New Zealand Citizen. Restrictions Apply If Residential Address Is An Overseas Addresss..
- Other Additional Information: Lending criteria apply.
Bank Fees and Charges
- Application Fee (Upfront), Amount: 0.00.
- Mortgage Discharge Fee (Event), Amount: 350.00.
- Production Of Documents (Event), Amount: 150.00.
- Company Name Search (Event), Amount: 40.00.
- Business Name Search (Event), Amount: 40.00.
Limitations & Restrictions (Constraints)
- Opening Balance of 20000.00
- Max Lvr of 0.95
Document Downloads
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