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NRMA Home Loans home loans

2 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.

The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.

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.

Compare all 311 home loans

  1. NRMA Basic Home Loan36 variants up 0.14 to 0.269 days after the RBA rise to 4.60%
    Variable · P&I · Owner-occupier · 50–60% LVR5.986.23+0.25
    Variable · P&I · Owner-occupier · ≤50% LVR5.986.23+0.25
    Variable · P&I · Owner-occupier · 60–70% LVR6.076.32+0.25
    Variable · P&I · Owner-occupier · 70–80% LVR6.126.37+0.25
    Variable · P&I · Investor · ≤50% LVR6.366.61+0.25
    1yr Fixed · P&I · Owner-occupier · ≤80% LVR6.176.40+0.23
    2yr Fixed · P&I · Owner-occupier · ≤80% LVR6.226.42+0.20
    Variable · P&I · Investor · 50–60% LVR6.386.63+0.25
    Variable · P&I · Investor · 60–70% LVR6.436.68+0.25
    Variable · P&I · Investor · 70–80% LVR6.486.73+0.25
    3yr Fixed · P&I · Owner-occupier · ≤80% LVR6.296.47+0.18
    1yr Fixed · P&I · Investor · ≤80% LVR6.516.74+0.23
    2yr Fixed · P&I · Investor · ≤80% LVR6.546.74+0.20
    5yr Fixed · P&I · Owner-occupier · ≤80% LVR6.436.57+0.14
    4yr Fixed · P&I · Owner-occupier · ≤80% LVR6.386.54+0.16
    1yr Fixed · Interest Only · Investor · ≤80% LVR6.526.75+0.23
    3yr Fixed · P&I · Investor · ≤80% LVR6.606.77+0.17
    2yr Fixed · Interest Only · Investor · ≤80% LVR6.566.76+0.20
    Variable · Interest Only · Investor · ≤50% LVR6.516.76+0.25
    5yr Fixed · P&I · Investor · ≤80% LVR6.706.84+0.14
    4yr Fixed · P&I · Investor · ≤80% LVR6.676.82+0.15
    Variable · Interest Only · Investor · 50–60% LVR6.536.78+0.25
    3yr Fixed · Interest Only · Investor · ≤80% LVR6.626.80+0.18
    Variable · Interest Only · Investor · 60–70% LVR6.586.83+0.25
    Variable · Interest Only · Investor · 70–80% LVR6.636.88+0.25
    5yr Fixed · Interest Only · Investor · ≤80% LVR6.746.88+0.14
    4yr Fixed · Interest Only · Investor · ≤80% LVR6.706.86+0.16
    1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.226.45+0.23
    2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.326.52+0.20
    3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.436.61+0.18
    Variable · Interest Only · Owner-occupier · ≤50% LVR6.446.70+0.26
    5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.646.78+0.14
    Variable · Interest Only · Owner-occupier · 50–60% LVR6.456.70+0.25
    4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.556.72+0.17
    Variable · Interest Only · Owner-occupier · 60–70% LVR6.526.78+0.26
    Variable · Interest Only · Owner-occupier · 70–80% LVR6.576.83+0.26
    +0.14 to +0.26
  2. NRMA Offset Home Loan66 variants up 0.13 to 0.269 days after the RBA rise to 4.60%
    Variable · P&I · Owner-occupier · ≤50% LVR6.146.39+0.25
    Variable · P&I · Owner-occupier · 50–60% LVR6.146.39+0.25
    Variable · P&I · Owner-occupier · 60–70% LVR6.236.48+0.25
    Variable · P&I · Owner-occupier · 70–80% LVR6.286.53+0.25
    Variable · P&I · Investor · ≤50% LVR6.526.77+0.25
    Variable · P&I · Owner-occupier · 80–90% LVR6.536.78+0.25
    1yr Fixed · P&I · Owner-occupier · ≤80% LVR6.346.56+0.22
    Variable · P&I · Investor · 50–60% LVR6.546.79+0.25
    2yr Fixed · P&I · Owner-occupier · ≤80% LVR6.386.58+0.20
    Variable · P&I · Investor · 60–70% LVR6.596.84+0.25
    Variable · P&I · Investor · 70–80% LVR6.646.89+0.25
    3yr Fixed · P&I · Owner-occupier · ≤80% LVR6.466.63+0.17
    2yr Fixed · P&I · Investor · ≤80% LVR6.706.90+0.20
    1yr Fixed · P&I · Investor · ≤80% LVR6.676.89+0.22
    1yr Fixed · P&I · Owner-occupier · 90–95% LVR7.077.29+0.22
    2yr Fixed · P&I · Owner-occupier · 80–90% LVR6.626.82+0.20
    5yr Fixed · P&I · Owner-occupier · ≤80% LVR6.606.74+0.14
    1yr Fixed · P&I · Owner-occupier · 80–90% LVR6.586.80+0.22
    4yr Fixed · P&I · Owner-occupier · ≤80% LVR6.546.70+0.16
    2yr Fixed · P&I · Owner-occupier · 90–95% LVR7.067.26+0.20
    2yr Fixed · Interest Only · Investor · ≤80% LVR6.716.91+0.20
    3yr Fixed · P&I · Investor · ≤80% LVR6.766.93+0.17
    1yr Fixed · Interest Only · Investor · ≤80% LVR6.686.90+0.22
    3yr Fixed · P&I · Owner-occupier · 80–90% LVR6.696.87+0.18
    3yr Fixed · P&I · Owner-occupier · 90–95% LVR7.087.26+0.18
    Variable · Interest Only · Investor · ≤50% LVR6.666.91+0.25
    4yr Fixed · P&I · Investor · ≤80% LVR6.836.98+0.15
    1yr Fixed · P&I · Investor · 80–90% LVR6.927.14+0.22
    3yr Fixed · Interest Only · Investor · ≤80% LVR6.776.95+0.18
    5yr Fixed · P&I · Investor · ≤80% LVR6.867.00+0.14
    Variable · P&I · Investor · 80–90% LVR6.897.14+0.25
    Variable · Interest Only · Investor · 50–60% LVR6.686.93+0.25
    2yr Fixed · P&I · Investor · 80–90% LVR6.947.14+0.20
    Variable · Interest Only · Investor · 60–70% LVR6.736.98+0.25
    5yr Fixed · P&I · Owner-occupier · 80–90% LVR6.836.96+0.13
    4yr Fixed · P&I · Owner-occupier · 80–90% LVR6.786.93+0.15
    5yr Fixed · P&I · Owner-occupier · 90–95% LVR7.137.26+0.13
    4yr Fixed · P&I · Owner-occupier · 90–95% LVR7.127.27+0.15
    3yr Fixed · P&I · Investor · 80–90% LVR6.997.17+0.18
    1yr Fixed · Interest Only · Investor · 80–90% LVR6.927.15+0.23
    5yr Fixed · Interest Only · Investor · ≤80% LVR6.897.03+0.14
    2yr Fixed · Interest Only · Investor · 80–90% LVR6.957.15+0.20
    4yr Fixed · Interest Only · Investor · ≤80% LVR6.857.01+0.16
    Variable · Interest Only · Investor · 70–80% LVR6.787.03+0.25
    2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.486.68+0.20
    1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.386.61+0.23
    Variable · P&I · Owner-occupier · 90–95% LVR7.087.33+0.25
    4yr Fixed · P&I · Investor · 80–90% LVR7.067.21+0.15
    5yr Fixed · P&I · Investor · 80–90% LVR7.097.23+0.14
    3yr Fixed · Interest Only · Investor · 80–90% LVR7.017.19+0.18
    3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.596.77+0.18
    5yr Fixed · Interest Only · Investor · 80–90% LVR7.127.26+0.14
    4yr Fixed · Interest Only · Investor · 80–90% LVR7.087.24+0.16
    Variable · Interest Only · Owner-occupier · ≤50% LVR6.596.85+0.26
    1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.636.85+0.22
    5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.796.94+0.15
    2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.726.92+0.20
    Variable · Interest Only · Owner-occupier · 50–60% LVR6.606.86+0.26
    Variable · Interest Only · Investor · 80–90% LVR7.037.28+0.25
    4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.716.87+0.16
    Variable · Interest Only · Owner-occupier · 60–70% LVR6.686.93+0.25
    3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.837.00+0.17
    Variable · Interest Only · Owner-occupier · 70–80% LVR6.736.98+0.25
    5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR7.037.17+0.14
    4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.947.10+0.16
    Variable · Interest Only · Owner-occupier · 80–90% LVR6.987.23+0.25
    +0.13 to +0.26
  3. NRMA Basic Home Loan20 variants up 0.01 to 0.115 days after the RBA rise to 4.60%
    All ≤80% LVR
    1yr Fixed · P&I · Owner-occupier6.166.17+0.01
    2yr Fixed · P&I · Owner-occupier6.216.22+0.01
    3yr Fixed · P&I · Owner-occupier6.246.29+0.05
    1yr Fixed · P&I · Investor6.506.51+0.01
    2yr Fixed · P&I · Investor6.536.54+0.01
    5yr Fixed · P&I · Owner-occupier6.326.43+0.11
    4yr Fixed · P&I · Owner-occupier6.296.38+0.09
    1yr Fixed · Interest Only · Investor6.516.52+0.01
    3yr Fixed · P&I · Investor6.546.60+0.06
    2yr Fixed · Interest Only · Investor6.556.56+0.01
    5yr Fixed · P&I · Investor6.596.70+0.11
    4yr Fixed · P&I · Investor6.576.67+0.10
    3yr Fixed · Interest Only · Investor6.566.62+0.06
    5yr Fixed · Interest Only · Investor6.636.74+0.11
    4yr Fixed · Interest Only · Investor6.606.70+0.10
    1yr Fixed · Interest Only · Owner-occupier6.216.22+0.01
    2yr Fixed · Interest Only · Owner-occupier6.316.32+0.01
    3yr Fixed · Interest Only · Owner-occupier6.376.43+0.06
    5yr Fixed · Interest Only · Owner-occupier6.536.64+0.11
    4yr Fixed · Interest Only · Owner-occupier6.466.55+0.09
    +0.01 to +0.11
  4. NRMA Offset Home Loan45 variants up 0.01 to 0.125 days after the RBA rise to 4.60%
    1yr Fixed · P&I · Owner-occupier · ≤80% LVR6.326.34+0.02
    2yr Fixed · P&I · Owner-occupier · ≤80% LVR6.376.38+0.01
    3yr Fixed · P&I · Owner-occupier · ≤80% LVR6.406.46+0.06
    2yr Fixed · P&I · Investor · ≤80% LVR6.696.70+0.01
    1yr Fixed · P&I · Investor · ≤80% LVR6.666.67+0.01
    1yr Fixed · P&I · Owner-occupier · 90–95% LVR7.067.07+0.01
    2yr Fixed · P&I · Owner-occupier · 80–90% LVR6.616.62+0.01
    5yr Fixed · P&I · Owner-occupier · ≤80% LVR6.496.60+0.11
    1yr Fixed · P&I · Owner-occupier · 80–90% LVR6.576.58+0.01
    4yr Fixed · P&I · Owner-occupier · ≤80% LVR6.456.54+0.09
    2yr Fixed · P&I · Owner-occupier · 90–95% LVR7.057.06+0.01
    2yr Fixed · Interest Only · Investor · ≤80% LVR6.706.71+0.01
    3yr Fixed · P&I · Investor · ≤80% LVR6.706.76+0.06
    1yr Fixed · Interest Only · Investor · ≤80% LVR6.676.68+0.01
    3yr Fixed · P&I · Owner-occupier · 80–90% LVR6.636.69+0.06
    3yr Fixed · P&I · Owner-occupier · 90–95% LVR7.027.08+0.06
    4yr Fixed · P&I · Investor · ≤80% LVR6.736.83+0.10
    1yr Fixed · P&I · Investor · 80–90% LVR6.916.92+0.01
    3yr Fixed · Interest Only · Investor · ≤80% LVR6.726.77+0.05
    5yr Fixed · P&I · Investor · ≤80% LVR6.756.86+0.11
    2yr Fixed · P&I · Investor · 80–90% LVR6.936.94+0.01
    5yr Fixed · P&I · Owner-occupier · 80–90% LVR6.716.83+0.12
    4yr Fixed · P&I · Owner-occupier · 80–90% LVR6.686.78+0.10
    5yr Fixed · P&I · Owner-occupier · 90–95% LVR7.027.13+0.11
    4yr Fixed · P&I · Owner-occupier · 90–95% LVR7.037.12+0.09
    3yr Fixed · P&I · Investor · 80–90% LVR6.936.99+0.06
    1yr Fixed · Interest Only · Investor · 80–90% LVR6.916.92+0.01
    5yr Fixed · Interest Only · Investor · ≤80% LVR6.786.89+0.11
    2yr Fixed · Interest Only · Investor · 80–90% LVR6.946.95+0.01
    4yr Fixed · Interest Only · Investor · ≤80% LVR6.766.85+0.09
    2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.476.48+0.01
    1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.376.38+0.01
    4yr Fixed · P&I · Investor · 80–90% LVR6.967.06+0.10
    5yr Fixed · P&I · Investor · 80–90% LVR6.987.09+0.11
    3yr Fixed · Interest Only · Investor · 80–90% LVR6.957.01+0.06
    3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.536.59+0.06
    5yr Fixed · Interest Only · Investor · 80–90% LVR7.017.12+0.11
    4yr Fixed · Interest Only · Investor · 80–90% LVR6.997.08+0.09
    1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.626.63+0.01
    5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.686.79+0.11
    2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.716.72+0.01
    4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.626.71+0.09
    3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.776.83+0.06
    5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.917.03+0.12
    4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.856.94+0.09
    +0.01 to +0.12

Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.

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

Notes on NRMA Home Loans home loans

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As of 15 October 2026, NRMA Home Loans has two home loan products in 102 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.37% (NRMA Basic Home Loan), ranking 30th of 91 variable owner-occupier P&I loans and sitting 0.17 points below the market average of 6.54%. Its rates last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.