NAB home loans

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As of 18 September 2026, NAB has four home loan products in 83 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.22% (NAB Defence Force Home Loan), ranking 22nd of 107 variable owner-occupier P&I loans and sitting 0.54 points below the market average of 6.76%. Its rates last moved on 18 September 2026.

Lowest comparison rate: 6.22%; NAB Defence Force Home Loan
Market rank: #22; of 107 variable owner-occupier P&I loans
Products: 4; 83 variants
Last change: 18 Sept 2026; 3 changes on record

Rates over time

Comparison rate of each product's headline variant

RBA cash rate
Market average

What changed

3 changes since 12 Sept 2026

18 Sept 2026
NAB Defence Force Home Loan · 5 variants up 0.02 to 0.07
- 2yr Fixed · P&I · Owner-occupier 6.83 → 6.86
- 1yr Fixed · P&I · Owner-occupier 6.88 → 6.90
- 5yr Fixed · P&I · Owner-occupier 6.78 → 6.85
- 4yr Fixed · P&I · Owner-occupier 6.81 → 6.86
- 3yr Fixed · P&I · Owner-occupier 6.83 → 6.87
mixed
18 Sept 2026
NAB Tailored Home Loan · 60 variants up 0.01 to 0.07
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.98 → 7.01
- 2yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.83 → 6.86
- 2yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.83 → 6.86
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR 7.06 → 7.07
- 2yr Fixed · Interest Only · Investor · 60–70% LVR 7.18 → 7.21
- 2yr Fixed · P&I · Investor · 70–80% LVR 7.24 → 7.27
- 2yr Fixed · P&I · Investor · 60–70% LVR 7.08 → 7.11
- 2yr Fixed · Interest Only · Investor · ≤60% LVR 7.18 → 7.21
- 2yr Fixed · Interest Only · Investor · 70–80% LVR 7.34 → 7.37
- 1yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.88 → 6.90
- 1yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.88 → 6.90
- 2yr Fixed · P&I · Investor · ≤60% LVR 7.08 → 7.11
- 4yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.81 → 6.86
- 4yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.93 → 6.98
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.97 → 7.01
- 3yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.83 → 6.87
- 3yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.83 → 6.87
- 5yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.78 → 6.85
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.89 → 6.96
- 5yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.78 → 6.85
- 4yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.81 → 6.86
- 1yr Fixed · P&I · Investor · 60–70% LVR 7.16 → 7.17
- 1yr Fixed · P&I · Investor · 70–80% LVR 7.33 → 7.35
- 1yr Fixed · P&I · Investor · ≤60% LVR 7.16 → 7.17
- 1yr Fixed · Interest Only · Investor · 70–80% LVR 7.43 → 7.44
- 1yr Fixed · Interest Only · Investor · ≤60% LVR 7.25 → 7.26
- 1yr Fixed · Interest Only · Investor · 60–70% LVR 7.25 → 7.26
- 4yr Fixed · Interest Only · Investor · 70–80% LVR 7.26 → 7.32
- 3yr Fixed · Interest Only · Investor · ≤60% LVR 7.17 → 7.22
- 5yr Fixed · Interest Only · Investor · ≤60% LVR 7.14 → 7.21
- 4yr Fixed · P&I · Investor · 70–80% LVR 7.15 → 7.21
- 5yr Fixed · P&I · Investor · 60–70% LVR 6.99 → 7.06
- 4yr Fixed · Interest Only · Investor · 60–70% LVR 7.13 → 7.19
- 5yr Fixed · Interest Only · Investor · 70–80% LVR 7.25 → 7.32
- 4yr Fixed · Interest Only · Investor · ≤60% LVR 7.13 → 7.19
- 3yr Fixed · P&I · Investor · ≤60% LVR 7.07 → 7.11
- 3yr Fixed · P&I · Investor · 70–80% LVR 7.21 → 7.25
- 5yr Fixed · Interest Only · Investor · 60–70% LVR 7.14 → 7.21
- 4yr Fixed · P&I · Investor · ≤60% LVR 7.03 → 7.08
- 3yr Fixed · Interest Only · Investor · 60–70% LVR 7.17 → 7.22
- 3yr Fixed · P&I · Investor · 60–70% LVR 7.07 → 7.11
- 4yr Fixed · P&I · Investor · 60–70% LVR 7.03 → 7.08
- 5yr Fixed · P&I · Investor · 70–80% LVR 7.10 → 7.17
- 3yr Fixed · Interest Only · Investor · 70–80% LVR 7.31 → 7.36
- 5yr Fixed · P&I · Investor · ≤60% LVR 6.99 → 7.06
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.21 → 7.24
- 2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.04 → 7.07
- 2yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.04 → 7.07
- 1yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.08 → 7.10
- 1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.08 → 7.10
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.26 → 7.28
- 4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.04 → 7.10
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.14 → 7.21
- 4yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.04 → 7.10
- 3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.06 → 7.10
- 5yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.02 → 7.09
- 3yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.06 → 7.10
- 5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.02 → 7.09
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.17 → 7.22
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.20 → 7.25
mixed
18 Sept 2026
NAB Base Variable Rate Home Loan · 2 variants cut 0.12 to 0.13
- Variable · P&I · Investor 7.09 → 6.96
- Variable · Interest Only · Investor 7.39 → 7.27
mixed

Home loans

Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate

NAB Defence Force Home Loan
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee · 6 variants
1y 6.90%2y 6.86%3y 6.87%4y 6.86%5y 6.85%
6.22%#22 of 107
NAB Tailored Home Loan
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 72 variants
1y 7.07%2y 7.01%3y 7.01%4y 6.98%5y 6.96%
6.32%#39 of 107
NAB Base Variable Rate Home Loan
Variable · P&I · Owner-occupier · redraw · no ongoing fee · 4 variants
6.44%#54 of 107
NAB FlexiPlus Mortgage
Variable · Interest Only · Owner-occupier
10.11%#66 of 68

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report

Notes on NAB home loans

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