Fees and charges for home loans and lines of credit
Before entering into a loan with us, we’ll let you know the applicable interest rate, fees and charges, including how and when they’re charged. Interest rates, fees and charges are subject to change. You can also view our current home loan interest rates.
The following fees and charges apply to these types of loans:
| NAB Base Variable Rate Home Loan | NAB Tailored Home Loan | NAB Choice Package | NAB Private Tailored Package | NAB Flexiplus Mortgage | NAB Portfolio/ Private Portfolio Package | |
|---|---|---|---|---|---|---|
| Application fee A one-off fee payable when opening the loan |
NAB Base Variable Rate Home Loan $0 |
NAB Tailored Home Loan $0 |
NAB Choice Package $0 |
NAB Private Tailored Package $0 |
NAB Flexiplus Mortgage $600 |
NAB Portfolio/ Private Portfolio Package $0 |
| Facility fee Payable Annually |
NAB Base Variable Rate Home Loan $0 |
NAB Tailored Home Loan $0 |
NAB Choice Package $0 |
NAB Private Tailored Package $0 |
NAB Flexiplus Mortgage $250 |
NAB Portfolio/ Private Portfolio Package $0 |
| Loan service fee Payable Monthly |
NAB Base Variable Rate Home Loan $0 |
NAB Tailored Home Loan $8 |
NAB Choice Package $0 |
NAB Private Tailored Package $0 |
NAB Flexiplus Mortgage $0 |
NAB Portfolio/ Private Portfolio Package $0 |
| Package fee Payable Annually |
NAB Base Variable Rate Home Loan $0 |
NAB Tailored Home Loan $0 |
NAB Choice Package $395
|
NAB Private Tailored Package $395 |
NAB Flexiplus Mortgage $0 |
NAB Portfolio/ Private Portfolio Package $550 |
If there are additional services, you may have to pay other fees and charges for them. Learn more about personal banking fees and charges.
The following fees are payable on your NAB home loan product.
| Fee type | Amount charged |
|---|---|
Rate Lock Fee Rate Lock allows customers applying for a fixed rate home loan to lock their fixed interest rate for up to 90 days. |
Rate Lock fee is 0.15% of the approved facility limit rounded to the nearest $10. |
Mortgage Discharge Fee Includes preparation of discharge, attending settlement and lodgement of documents where applicable. |
$350 |
Production of Documents To permit registration by other parties. For example, this fee may become payable if we make the title available at the titles office for certain variations (a plan of subdivision or consolidation). |
$150 |
| Company/Business name search | $40 per search (includes Registrar’s Fee) |
Economic costs for fixed rate loans
Economic costs for fixed rate loans are NAB’s reasonable estimate of our loss (if any) from the prepayment of a fixed rate loan. Economic costs may be payable if you prepay more than $20,000 or close the loan during a fixed rate period or, end your fixed rate period early.
If you’re splitting your existing home loan during your fixed rate period (or breaking your fixed interest rate term early), an estimate of the economic cost for existing NAB Home Loan customers may be obtained by calling NAB on 13 22 65 from Monday to Friday, 8:00am to 7:00pm (AEST/AEDT) or Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT) or +61 3 8641 9083 if you're overseas, or by contacting your NAB banker. The quote will only be valid for seven days.
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Contact us for home loan related queries
This is how you can get in touch.
Start a conversation with a banker
- Log into either NAB Internet Banking or the NAB app.
- Tap on the message icon.
- Type ‘speak to a person’ in the conversation window.
Call us
Speak to a home loan expert about a new or existing home loan.
Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)
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Terms and Conditions
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Goods and Services Tax (GST)
GST is a Goods and Services Tax or any similar tax imposed in Australia. The ‘GST Clause’ applies to any fees and charges that are subject to GST.
GST Clause
If we’re required to pay GST or any similar tax on a supply made in connection with a service described here, then you agree to pay us an additional amount equal to the consideration payable for the supply, multiplied by the prevailing GST rate.
Other Important Information
Terms, conditions, fees, charges, eligibility criteria and lending criteria apply for all NAB products (available on request).
Information and rates are correct as at 1 November 2024 and are subject to change.