NAB home loan rates
Ranked by advertised rate, NAB's lowest advertised rate we track is 6.29% advertised (6.42% comparison) on the Tailored Home Loan - 19th of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.29% advertised (6.42% comparison) on the Tailored Home Loan; its lowest fixed home loan rate we track is 6.79% advertised (7.14% comparison) on the Fixed Rate Home Loan. Rates as at 28 Oct 2026.
We track 7 NAB owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.29% on the Tailored Home Loan - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,710 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.
NAB since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
NAB has changed 2 variable rates in its published data since:
- Base Variable Rate Home Loan - variable6.44% → 6.69%(+25 bp)matches the cash rate move
- Tailored Home Loan - variable, standard retail rate, LVR-tiered6.04% → 6.29%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
NAB products (7)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Tailored Home LoanBig 5NAB | Variable | 6.29% | 6.42% | 70% | link |
Base Variable Rate Home LoanBig 5NAB | Variable | 6.69% | 6.69% | — | link |
Fixed Rate Home LoanBig 5NAB | Fixed 1yr | 6.79% | 7.14% | 80% | link |
Fixed Rate Home LoanBig 5NAB | Fixed 2yr | 6.81% | 7.12% | 80% | link |
Fixed Rate Home LoanBig 5NAB | Fixed 4yr | 6.92% | 7.12% | 80% | link |
Fixed Rate Home LoanBig 5NAB | Fixed 3yr | 6.92% | 7.13% | 80% | link |
Fixed Rate Home LoanBig 5NAB | Fixed 5yr | 6.94% | 7.12% | 80% | link |
NAB recent rate changes
7 of NAB's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Base Variable Rate Home Loan - variable6.44% → 6.69%(+25 bp)previous value last seen 9 Oct 2026
- Tailored Home Loan - variable, standard retail rate, LVR-tiered6.04% → 6.29%(+25 bp)previous value last seen 9 Oct 2026
- fixed rate home loan, 2-year term6.49% → 6.81%(+32 bp)previous value last seen 2 Oct 2026
- fixed rate home loan, 5-year term6.64% → 6.94%(+30 bp)previous value last seen 2 Oct 2026
- fixed rate home loan, 3-year term6.64% → 6.92%(+28 bp)previous value last seen 2 Oct 2026
- fixed rate home loan, 4-year term6.64% → 6.92%(+28 bp)previous value last seen 2 Oct 2026
- fixed rate home loan, 1-year term6.59% → 6.79%(+20 bp)previous value last seen 2 Oct 2026
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