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Home loan rates and fees

Speak to a home loan specialist

Our current residential home loan interest rates for all our home loan products and the comparison rate schedule can be viewed below.

For all our residential home loan fees for loans less than $4 million, click here.

To discuss fees on home loans, please contact one of our Home Loan Specialists on 1300 361 922.

Rates effective July 15 2022

 

Minimum loan amount $350,000. Additional interest rate loadings will apply where detailed below.

 

 

Variable Rates with Mortgage Plus

Principal and Interest

Interest Rate

Comparison Rate2

Standard Variable/Standard Variable Offset3.54% p.a.3.92% p.a.

 

Fixed Rates with Mortgage Plus1

Interest Rate

Comparison Rate3

1 Year Fixed Rate5.39% p.a.4.09% p.a.
2 Year Fixed Rate5.89% p.a.4.34% p.a.
3 Year Fixed Rate6.29% p.a.4.64% p.a.
5 Year Fixed Rate6.49% p.a.5.15% p.a.

 

Variable Rates without Mortgage Plus

Interest Rate

Comparison Rate2

Basic Variable3.24% p.a.3.29% p.a.
Standard Variable /Standard Variable Offset3.54% p.a.3.69% p.a.

 

Fixed Rates without Mortgage Plus4

Interest Rate

Comparison Rate2

1 Year Fixed Rate5.39% p.a.3.86% p.a.
2 Year Fixed Rate5.89% p.a.4.11% p.a.
3 Year Fixed Rate6.29% p.a.4.42% p.a.
5 Year Fixed Rate6.49% p.a.4.93% p.a.

 

Additional Interest Rate Loadings (loadings apply to fixed and variable rates unless specified)

Principal and Interest

Interest Rate

LVR greater than 80%5add 0.25% p.a.6
Loans for non residents or loans where the income declared for loan assessment is in a foreign currency7add 0.50% p.a.

 

Reference rates

Interest Rate

Comparison Rate2

Basic Variable6.13% p.a.6.18% p.a.
Standard Variable6.35%p.a.6.49% p.a.
Standard Variable Offset6.35% p.a.6.49% p.a.

 

Minimum loan amount $350,000. Additional interest rate loadings will apply where detailed below.

 

 

Variable Rates with Mortgage Plus

Principal and Interest

Interest only

Interest Rate

Comparison Rate2

Interest Rate

Comparison Rate2

Standard Variable/Standard Variable Offset3.89% p.a.4.26% p.a.4.19% p.a.4.55% p.a.

 

 

Fixed Rates with Mortgage Plus1

Principal and Interest

Interest only

Interest Rate

Comparison Rate3

Interest Rate

Comparison Rate3

1 Year Fixed Rate5.69% p.a.4.43% p.a.5.89% p.a.4.71% p.a.
2 Year Fixed Rate6.19% p.a.4.68% p.a.6.39% p.a.4.96% p.a.
3 Year Fixed Rate6.59% p.a.4.98% p.a.6.79% p.a.5.26% p.a.
5 Year Fixed Rate6.79% p.a.5.49% p.a.6.99% p.a.5.75% p.a.

 

 

Variable Rates without Mortgage Plus

Principal and Interest

Interest only

Interest Rate

Comparison Rate2

Interest Rate

Comparison Rate2

Basic Variable3.46% p.a.3.51% p.a.3.83% p.a.3.88% p.a.
Standard Variable /Standard Variable Offset3.89% p.a.4.04% p.a.4.19% p.a.4.34% p.a.

 

 

Fixed Rates without Mortgage Plus4

Principal and Interest

Interest only

Interest Rate

Comparison Rate2

Interest Rate

Comparison Rate2

1 Year Fixed Rate5.69% p.a.4.20% p.a.5.89% p.a.4.50% p.a.
2 Year Fixed Rate6.19% p.a.4.46% p.a.6.39% p.a.4.74% p.a.
3 Year Fixed Rate6.59% p.a.4.76% p.a.6.79% p.a.5.04% p.a.
5 Year Fixed Rate6.79% p.a.5.27% p.a.6.99% p.a.5.54% p.a.

 

Additional Interest Rate Loadings (loadings apply to fixed and variable rates unless specified)

Principal and Interest

Interest Rate

LVR greater than 80%5add 0.25% p.a.6
Loans for non residents or loans where the income declared for loan assessment is in a foreign currency7add 0.50% p.a.

 

Reference rates

Interest Rate

Comparison Rate2

Basic Variable6.13% p.a.6.18% p.a.
Standard Variable6.35%p.a.6.49% p.a.
Standard Variable Offset6.35% p.a.6.49% p.a.

Can't find what you're looking for? Find a Mortgage Specialist near you

Telephone icon mentioning contact center helpline number and working hours

New Customers, call us on 1300 361 922
(Mon to Fri, 9am to 5pm AEST)

A home icon mentioning contact center support no for home loans and working hours

Changes to your Home loan, call us on 1300 131 127
 (Mon to Fri, 9am to 5pm AEST)

Important Information

National Australia Bank Limited ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (NAB) is the credit provider and issuer of Citi branded financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (Citi) and has appointed Citi to to provide transitional services. “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.
Advertised Home Loan rates are for new, secured loans only and are subject to change at any time. All loans and securities are subject to the lenders credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions apply and are available on request. 

Minimum loan size is $350,000. 

1. Fixed Rate loans must be combined with Standard Variable/Standard Variable Offset (Owner Occupier and Investor) to be eligible for Mortgage Plus. Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply. Fixed rates revert to the Standard Variable rate at the end of the fixed term.
2. Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
3. Comparison Rate for fixed rates calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments and reverting to a Mortgage Plus - Standard Variable loan with an LVR less than or equal to 80% on expiry of the fixed term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
4. Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply.
5. Lenders Mortgage Insurance is applicable for loans with an LVR over 80%, unless the option LVR between 80.01%-85% (Without LMI) is selected. Loans with LVR between 80.01%-85% (Without LMI) are not available to non resident loans or loans where income is declared for loan assessment is in a foreign currency. For all loans over LVR 80% principal and interest repayment is required.
6. Interest rate margin discounts/premiums are based on the (LSR) as confirmed at the time of loan approval. The LSR may change between the date of loan approval and loan settlement and we reserve the right to vary the interest rate margin discount/premium between the date of loan approval and date of the loan settlement based on a change in the LSR. Any increase or decrease in the LSR after loan approval will not change the level of interest rate margin discount/premium, although the Citi reference rate is variable and subject to change. The Loan to Value Ratio (LVR) is the same as the Loan to Security Ratio (LSR) in the loan documentation.
7. A resident is either a citizen or permanent resident of Australia. Standard Variable Offset and interest only repayment option is not available for non resident loans or loans where income declared for loan assessment is in a foreign currency.

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