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NAB

Base Variable Rate Home Loan

VariableOwner occupierInterest only
Interest rate
7.34%
per annum, variable
Comparison rate
6.83%
includes fees & charges

Your repayments on this loan

$750,000
$150,000 · 20%
Loan amount
$600,000
80% LVR
30 yrs
Monthly repayment
$4,130
Total interest
$887k
Total cost
$1.49m
Principal $600,000Interest $887k
General estimate only. Not an offer.

Rate history

Tracking since June 2026

We started tracking this rate in June 2026. The trend fills in here as the rate changes over time.

Features & benefits

Redraw
Pull back any extra repayments you've made.
Extra repayments
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Fees

Application fee

Fee amounts vary; confirm the current figures on the lender's site.

At a glance

Max LVR95%
Min deposit5%
Loan amount
Repayment typeInterest only

How it compares

Same purpose, rate type & term
W
Westpac
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
5.96%
comparison
$3,904
/mo
CommBank
Digi Home Loan (Owner Occupied)
6.47%
comparison
$3,844
/mo
M
Macquarie
Macquarie Basic Home Loan
6.52%
comparison
$3,788
/mo
M
Macquarie
Macquarie Offset Home Loan
6.74%
comparison
$3,788
/mo
Your monthly repayment
$4,130
Rate
7.34%
Comparison
6.83%
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Rate last verified 28 Aug 2026
We recheck daily · how we source rates