As of 18 September 2026, the NAB NAB Tailored Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.32% (6.19% advertised), ranking 39th of 107 variable owner-occupier P&I loans and sitting 0.44 points below the market average of 6.76%. The product comes in 72 variants; the others are investor, interest-only, fixed-rate and other LVR bands. Its rate last moved on 18 September 2026.
6.32%comparison rate p.a.
6.19% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
71 other variants: investor, interest-only, fixed-rate and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- NAB Tailored Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
1 change since 12 Sept 2026- NAB Tailored Home Loan · 60 variants up 0.01 to 0.07mixed
- 1yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.88 → 6.90
- 1yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.88 → 6.90
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR 7.06 → 7.07
- 1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.08 → 7.10
- 1yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.08 → 7.10
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.26 → 7.28
- 1yr Fixed · P&I · Investor · ≤60% LVR 7.16 → 7.17
- 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 · Interest Only · Investor · ≤60% LVR 7.25 → 7.26
- 1yr Fixed · Interest Only · Investor · 60–70% LVR 7.25 → 7.26
- 1yr Fixed · Interest Only · Investor · 70–80% LVR 7.43 → 7.44
- 2yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.83 → 6.86
- 2yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.83 → 6.86
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.98 → 7.01
- 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
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.21 → 7.24
- 2yr Fixed · P&I · Investor · ≤60% LVR 7.08 → 7.11
- 2yr Fixed · P&I · Investor · 60–70% LVR 7.08 → 7.11
- 2yr Fixed · P&I · Investor · 70–80% LVR 7.24 → 7.27
- 2yr Fixed · Interest Only · Investor · ≤60% LVR 7.18 → 7.21
- 2yr Fixed · Interest Only · Investor · 60–70% LVR 7.18 → 7.21
- 2yr Fixed · Interest Only · Investor · 70–80% LVR 7.34 → 7.37
- 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
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.97 → 7.01
- 3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.06 → 7.10
- 3yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.06 → 7.10
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.20 → 7.25
- 3yr Fixed · P&I · Investor · ≤60% LVR 7.07 → 7.11
- 3yr Fixed · P&I · Investor · 60–70% LVR 7.07 → 7.11
- 3yr Fixed · P&I · Investor · 70–80% LVR 7.21 → 7.25
- 3yr Fixed · Interest Only · Investor · ≤60% LVR 7.17 → 7.22
- 3yr Fixed · Interest Only · Investor · 60–70% LVR 7.17 → 7.22
- 3yr Fixed · Interest Only · Investor · 70–80% LVR 7.31 → 7.36
- 4yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.81 → 6.86
- 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
- 4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.04 → 7.10
- 4yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.04 → 7.10
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.17 → 7.22
- 4yr Fixed · P&I · Investor · ≤60% LVR 7.03 → 7.08
- 4yr Fixed · P&I · Investor · 60–70% LVR 7.03 → 7.08
- 4yr Fixed · P&I · Investor · 70–80% LVR 7.15 → 7.21
- 4yr Fixed · Interest Only · Investor · ≤60% LVR 7.13 → 7.19
- 4yr Fixed · Interest Only · Investor · 60–70% LVR 7.13 → 7.19
- 4yr Fixed · Interest Only · Investor · 70–80% LVR 7.26 → 7.32
- 5yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.78 → 6.85
- 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 · Interest Only · Owner-occupier · ≤60% LVR 7.02 → 7.09
- 5yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.02 → 7.09
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.14 → 7.21
- 5yr Fixed · P&I · Investor · ≤60% LVR 6.99 → 7.06
- 5yr Fixed · P&I · Investor · 60–70% LVR 6.99 → 7.06
- 5yr Fixed · P&I · Investor · 70–80% LVR 7.10 → 7.17
- 5yr Fixed · Interest Only · Investor · ≤60% LVR 7.14 → 7.21
- 5yr Fixed · Interest Only · Investor · 60–70% LVR 7.14 → 7.21
- 5yr Fixed · Interest Only · Investor · 70–80% LVR 7.25 → 7.32
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.22% comparison · 6.09% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.22% comparison · 6.09% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.32% comparison · 6.19% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.86% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.86% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 7.02% comparison · 6.79% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.33% comparison · 6.20% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.33% comparison · 6.20% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.43% comparison · 6.30% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.91% comparison · 6.40% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.91% comparison · 6.40% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 7.06% comparison · 6.50% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.90% comparison · 6.59% advertised
- 1yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.90% comparison · 6.59% advertised
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.07% comparison · 6.59% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 7.10% comparison · 6.84% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 60–70% LVR
- 7.10% comparison · 6.84% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.28% comparison · 6.84% advertised
- 1yr Fixed · P&I · Investor · ≤60% LVR
- 7.17% comparison · 6.69% advertised
- 1yr Fixed · P&I · Investor · 60–70% LVR
- 7.17% comparison · 6.69% advertised
- 1yr Fixed · P&I · Investor · 70–80% LVR
- 7.35% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Investor · ≤60% LVR
- 7.26% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Investor · 60–70% LVR
- 7.26% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.44% comparison · 6.69% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.86% comparison · 6.49% advertised
- 2yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.86% comparison · 6.49% advertised
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.01% comparison · 6.49% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 7.07% comparison · 6.79% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 60–70% LVR
- 7.07% comparison · 6.79% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.24% comparison · 6.79% advertised
- 2yr Fixed · P&I · Investor · ≤60% LVR
- 7.11% comparison · 6.59% advertised
- 2yr Fixed · P&I · Investor · 60–70% LVR
- 7.11% comparison · 6.59% advertised
- 2yr Fixed · P&I · Investor · 70–80% LVR
- 7.27% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Investor · ≤60% LVR
- 7.21% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Investor · 60–70% LVR
- 7.21% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.37% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.87% comparison · 6.64% advertised
- 3yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.87% comparison · 6.64% advertised
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.01% comparison · 6.64% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 7.10% comparison · 6.94% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 60–70% LVR
- 7.10% comparison · 6.94% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.25% comparison · 6.94% advertised
- 3yr Fixed · P&I · Investor · ≤60% LVR
- 7.11% comparison · 6.74% advertised
- 3yr Fixed · P&I · Investor · 60–70% LVR
- 7.11% comparison · 6.74% advertised
- 3yr Fixed · P&I · Investor · 70–80% LVR
- 7.25% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · ≤60% LVR
- 7.22% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · 60–70% LVR
- 7.22% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.36% comparison · 6.74% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.86% comparison · 6.64% advertised
- 4yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.86% comparison · 6.64% advertised
- 4yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.98% comparison · 6.64% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 7.10% comparison · 6.94% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 60–70% LVR
- 7.10% comparison · 6.94% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.22% comparison · 6.94% advertised
- 4yr Fixed · P&I · Investor · ≤60% LVR
- 7.08% comparison · 6.74% advertised
- 4yr Fixed · P&I · Investor · 60–70% LVR
- 7.08% comparison · 6.74% advertised
- 4yr Fixed · P&I · Investor · 70–80% LVR
- 7.21% comparison · 6.74% advertised
- 4yr Fixed · Interest Only · Investor · ≤60% LVR
- 7.19% comparison · 6.74% advertised
- 4yr Fixed · Interest Only · Investor · 60–70% LVR
- 7.19% comparison · 6.74% advertised
- 4yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.32% comparison · 6.74% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.85% comparison · 6.64% advertised
- 5yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.85% comparison · 6.64% advertised
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.96% comparison · 6.64% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 7.09% comparison · 6.94% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 60–70% LVR
- 7.09% comparison · 6.94% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.21% comparison · 6.94% advertised
- 5yr Fixed · P&I · Investor · ≤60% LVR
- 7.06% comparison · 6.74% advertised
- 5yr Fixed · P&I · Investor · 60–70% LVR
- 7.06% comparison · 6.74% advertised
- 5yr Fixed · P&I · Investor · 70–80% LVR
- 7.17% comparison · 6.74% advertised
- 5yr Fixed · Interest Only · Investor · ≤60% LVR
- 7.21% comparison · 6.74% advertised
- 5yr Fixed · Interest Only · Investor · 60–70% LVR
- 7.21% comparison · 6.74% advertised
- 5yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.32% comparison · 6.74% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- $12 a month
- Discharge fee
- $350
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
About this product
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