NAB home loans

Home loan customers at NAB are able to speak to customer support by contacting the home loan hotline seven days a week, or by popping into a NAB branch, emailing the bank directly or by filling out an online enquiry form. Potential NAB customers can also chat with a customer service representative via the online chat function or can contact a NAB mobile banker directly.

• Customer service (phone, email, branch)
• Mobile app
• Online banking
• Live Chat
• Mobile banking staff

NAB provides potential customers with multiple ways to apply for a home loan. This includes calling the bank, applying online, visiting a branch or organising for a NAB Mobile Banker to come to you. 

Before applying for a home loan, think about how much you can afford to borrow given your financial situation and income. 

You will also need to provide documentation when applying for a home loan, including:

• Personal identification
• Proof of income – whether you are self-employed or work for an employer
• Proof of other income, including rental from investment properties
• Information regarding your current debts, liabilities and assets

As one of Australia’s big four banks, NAB offers a wide variety of mortgages that suit almost every type of borrower, including:

• First home buyers
• Upgraders
• Investors
• Renovators
• Refinancers

Those who choose a NAB mortgage can choose from a variety of interest rate options, including:

• Principal-and-interest home loans
• Interest-only home loans
• Variable interest rates
• Fixed interest rates
• Split loans

Mortgage borrowers may be able to earn discounts and fee waivers when they combine their home loan with other NAB products, like credit cards. Some NAB home loans also offer lower (temporary) introductory interest rates and interest rate discounts.

NAB generally charges an application fee and annual service fee for its home loans, though some offers may waive some or all of these fees. 

While NAB doesn’t always offer the lowest rates on the market, it attracts customers with its well-known brand, extensive branch network, and convenience.

As a general rule, NAB home loans for owner-occupiers have lower interest rates than mortgages for investors, and borrowers who choose principal and interest loans tend to get lower interest rates than those who choose interest-only mortgages. 

NAB also offers home loan rates for variable and fixed mortgages. Rates can be fixed for a term between one and five years, with the longer fixed terms more often charging higher fixed interest rates. 

NAB is well-known and well-regarded by many Australians, and provides home loan options that could be suited to almost any type of borrower. There are NAB home loans suited to first-time buyers, renovators, refinancers, and investors. 

NAB home loans can be principal and interest or interest-only. Borrowers can also choose for their mortgages to be variable, fixed, or split.

While NAB doesn’t always offer the lowest home loan interest rates on the market, and you may need to account for application and ongoing fees, bundling or packaging your mortgage with other NAB financial products may let you enjoy extra value or see some of your fees waived.