6.09 % p.a.
Offer
3 year fixed rate home loan
Offer
For residential investors making principal and interest repayments with a fixed rate NAB Tailored Home Loan.
3 year fixed rate
Comparison rate
6.88 % p.a.
Application fee
$ 0
Monthly service fee
$ 8 monthly
This offer is for new residential investor, principal and interest home loans where the customer takes a 3 year fixed rate NAB Tailored Home Loan and has a deposit of 30% or more of the property value (maximum permitted loan to value ratio of 70%).
For more information on comparison rates and the fees and charges that can apply please refer to our Important Information below.
Why choose NAB
We’re committed to helping property investors achieve their financial goals with our available loan tools. Learn how growing your investment property portfolio could be made easier with NAB.
LVR tiered pricing
Rates are tailored to your Loan to Value Ratio (LVR). Access more competitive interest rates when you have a lower LVR.
Flexible features
Trying to maximise your portfolio? Take advantage of useful features such as interest-only lending as well as discounts on Lenders Mortgage Insurance for eligible customers.
Support at every step
Purchasing an investment property is exciting, no matter if it is your first or your fifth. Our team of branch lending experts, mobile and phone bankers are here to guide and support you through the process.
Tips for new property investors
Property investing for the first time? If you’re still in the research phase, read our tips to help you through your property investment journey.
Is property investment for you?
Risk and rewards: is property investment right for you?
Investing in property? Know the costs before you buy
Understanding the costs involved with an investment property.
5 essential investment property strategies
Five things to consider before you invest in property.
Property investor interest rates
View the home loan interest rates available to residential investors for variable and fixed rate home loans.
Basic Variable
NAB Base Variable Rate Home Loan – Residential Investment
| Loan type | Interest rate |
Comparison rate |
|---|---|---|
Principal and interest |
Interest rate
6.96% p.a.
|
Comparison rate
7.00% p.a.
|
Interest Only |
Interest rate
7.67% p.a.
|
Comparison rate
7.32% p.a.
|
Comparison rate warning
Variable rate with Offset
NAB Tailored Home Loan - Principal and Interest - Residential Investor
The variable rates for a NAB Tailored Home Loan will vary depending on your Loan to Value Ratio (LVR).
We’ve set out the current rates for our retail and broker customers below. For customers that have a Business or Private Wealth relationship with NAB, different interest rates (and conditions) may apply. Speak to your banker about your interest rate.
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
7.09% p.a.
|
Comparison rate
7.17% p.a.
|
| 60.01% - 70% |
Interest rate
7.09% p.a.
|
Comparison rate
7.17% p.a.
|
| 70.01% - 80% |
Interest rate
7.29% p.a.
|
Comparison rate
7.37% p.a.
|
| 80.01% or more |
Interest rate
7.29% p.a.
|
Comparison rate
7.37% p.a.
|
Comparison rate warning
Fixed rate
NAB Tailored Home Loan - Principal and Interest - Residential Investor
The fixed rates for a NAB Tailored Home Loan vary based on the length of the fixed rate period and the Loan to Value Ratio (LVR).
We’ve set out the current rates for our retail and broker customers below. For customers that have a Business or Private Wealth relationship with NAB, different interest rates (and conditions) may apply. Speak to your banker about your interest rate.
1-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
6.44% p.a.
|
Comparison rate
7.10% p.a.
|
| 60.01% - 70% |
Interest rate
6.44% p.a.
|
Comparison rate
7.10% p.a.
|
| 70.01% - 80% |
Interest rate
6.49% p.a.
|
Comparison rate
7.29% p.a.
|
| 80.01% or more |
Interest rate
6.49% p.a.
|
Comparison rate
7.29% p.a.
|
2-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
6.24% p.a.
|
Comparison rate
7.00% p.a.
|
| 60.01% - 70% |
Interest rate
6.24% p.a.
|
Comparison rate
7.00% p.a.
|
| 70.01% - 80% |
Interest rate
6.29% p.a.
|
Comparison rate
7.17% p.a.
|
| 80.01% or more |
Interest rate
6.29% p.a.
|
Comparison rate
7.17% p.a.
|
3-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
6.09% p.a.
|
Comparison rate
6.88% p.a.
|
| 60.01% - 70% |
Interest rate
6.09% p.a.
|
Comparison rate
6.88% p.a.
|
| 70.01% - 80% |
Interest rate
6.14% p.a.
|
Comparison rate
7.04% p.a.
|
| 80.01% or more |
Interest rate
6.14% p.a.
|
Comparison rate
7.04% p.a.
|
4-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
6.44% p.a.
|
Comparison rate
6.93% p.a.
|
| 60.01% - 70% |
Interest rate
6.44% p.a.
|
Comparison rate
6.93% p.a.
|
| 70.01% - 80% |
Interest rate
6.49% p.a.
|
Comparison rate
7.07% p.a.
|
| 80.01% or more |
Interest rate
6.49% p.a.
|
Comparison rate
7.07% p.a.
|
5-year fixed period
| LVR | Interest rate | Comparison rate |
|---|---|---|
| 60% or less |
Interest rate
6.49% p.a.
|
Comparison rate
6.91% p.a.
|
| 60.01% - 70% |
Interest rate
6.49% p.a.
|
Comparison rate
6.91% p.a.
|
| 70.01% - 80% |
Interest rate
6.54% p.a.
|
Comparison rate
7.04% p.a.
|
| 80.01% or more |
Interest rate
6.54% p.a.
|
Comparison rate
7.04% p.a.
|
Comparison rate warning
Ready to get started?
Book an appointment with your NAB banker to discuss your options.
Calculators and tools
Use our tools and calculators to show you your potential repayments, borrowing power, and more.
Home loan repayment calculator
Compare your loan amount with other factors to estimate your loan repayments.
How much can I borrow?
Get an estimate of how much you can afford to borrow for your home.
Property investment guides
Make the most of your property investment portfolio. Learn about the possibility of using equity to invest, tax considerations, negative gearing and more.
Using your home’s equity to invest
Michael Sloan explains how to calculate your equity and how to use it.
Tax-effective investment ideas
Learn our investment options to help you maximise your tax.
Negative gearing vs. positive gearing
The difference between positive cash flow and negative gearing.
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)
Book an appointment
Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back.
Terms and Conditions
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Other important information
NAB’s Fixed Rate Home Loan products do not come with an interest offset facility.
Information and rates are correct as at 5 August 2021 and are subject to change. Applications for credit are subject to NAB’s credit approval criteria. Terms and Conditions apply to all NAB products and are available on application. Fees and charges are payable. National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).
Personal Banking Fees - a guide to fees and charges (PDF, 647KB), opens in new window