Home loan · Variable
NAB Base Variable Rate Home Loan
6.69%comparison rate p.a. · 6.69% advertised
Variable · P&I · Owner-occupier · ≤95% LVR
70th of 93 variable owner-occupier P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Variable · P&I · Owner-occupier · ≤95% LVR
- 6.69% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · ≤95% LVR
- 7.08% comparison · 7.59% advertised
- Variable · P&I · Investor · ≤95% LVR
- 7.21% comparison · 7.21% advertised
- Variable · Interest Only · Investor · ≤95% LVR
- 7.53% comparison · 7.92% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- NAB Base Variable Rate Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20261 change
- 10Sat
- 4 variants up 0.25 to 0.2610 days after the RBA rise to 4.60%+0.25 to +0.26All Variable · ≤95% LVR
P&I · Owner-occupier 6.44 6.69 +0.25 Interest Only · Owner-occupier 6.83 7.08 +0.25 P&I · Investor 6.96 7.21 +0.25 Interest Only · Investor 7.27 7.53 +0.26
September 20261 change
- 18Fri
- 2 variants cut 0.12 to 0.13−0.13 to −0.12All Variable · Investor · ≤95% LVR
P&I 7.09 6.96 −0.13 Interest Only 7.39 7.27 −0.12
Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.
Also from NAB: NAB Tailored Home Loan 6.57%
As of 2 November 2026, the NAB Base Variable Rate Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.69% (6.69% advertised), ranking 70th of 93 variable owner-occupier P&I loans and sitting 0.11 points above the market average of 6.58%. The product comes in 4 variants; the others are investor and interest-only. Its rate last moved on 10 October 2026, 10 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.