As of 18 September 2026, the NAB NAB Base Variable Rate Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.44% (6.44% advertised), ranking 54th of 107 variable owner-occupier P&I loans and sitting 0.32 points below the market average of 6.76%. The product comes in 4 variants; the others are investor and interest-only. Its rate last moved on 18 September 2026.
6.44%comparison rate p.a.
6.44% advertised · Variable · P&I · Owner-occupier
3 other variants: investor and interest-only below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier- NAB Base Variable Rate Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
1 change since 12 Sept 2026- NAB Base Variable Rate Home Loan · 2 variants cut 0.12 to 0.13mixed
- Variable · P&I · Investor 7.09 → 6.96
- Variable · Interest Only · Investor 7.39 → 7.27
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier
- 6.44% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier
- 6.83% comparison · 7.34% advertised
- Variable · P&I · Investor
- 6.96% comparison · 6.96% advertised
- Variable · Interest Only · Investor
- 7.27% comparison · 7.67% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
About this product
Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.