Home loan rates › NATIONAL AUSTRALIA BANK
NAB Defence Force Home Loan
NATIONAL AUSTRALIA BANK
As one of the first Defence Home Ownership Assistance Scheme (DHOAS) approved home loan providers, we’re committed to serving those who serve. Whether you’re still in the Australian Defence Force (ADF) or transitioning out, NAB is there for you. ADF members are eligible to apply for a NAB Defence Force Home Loan provided they satisfy the requirements under the DHOAS.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.79% | 7.14% | Fixed · 1 year · owner occupied · principal and interest | Certain occupations | CDR | 1 Nov 2026 |
| 6.81% | 7.12% | Fixed · 2 years · owner occupied · principal and interest | Certain occupations | CDR | 1 Nov 2026 |
| 6.92% | 7.13% | Fixed · 3 years · owner occupied · principal and interest | Certain occupations | CDR | 1 Nov 2026 |
| 6.92% | 7.12% | Fixed · 4 years · owner occupied · principal and interest | Certain occupations | CDR | 1 Nov 2026 |
| 6.94% | 7.12% | Fixed · 5 years · owner occupied · principal and interest | Certain occupations | CDR | 1 Nov 2026 |
| 6.29% | 6.42% | Variable · owner occupied · principal and interest | Not compared in rate tables Certain occupations | CDR | 1 Nov 2026 |
| 7.04% | 7.16% | Variable · owner occupied · principal and interest | Not compared in rate tables Certain occupations | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbank.api.nab.com.au/cds-au/v1/banking/products/afc433d8-947a-46b5-9f51-d15d4fb8ba3b- Content hash
sha256 46c984d9bc34d7d87bd9f93e82b32247beb766805f0f67081f26eda464b61e91- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_46c984d9bc34d7d8_e94f5a94Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.api.nab.com.au/cds-au/v1/banking/products/afc433d8-947a-46b5-9f51-d15d4fb8ba3b- Content hash
sha256 46c984d9bc34d7d87bd9f93e82b32247beb766805f0f67081f26eda464b61e91- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Mortgage Discharge Fee | Event | $350.00 |
| Production of documents | Event | $150.00 |
| Company name search | Event | $40.00 |
| Business name search | Event | $40.00 |
| Rate Lock Fee (for fixed rate home loans) | Event | 0.15% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 100% offset arrangement option | |
| Redraw | •Variable-rate periods only. •Minimum redraw $500. | |
| Other | Construction lending available | |
| Other | Ability to split your borrowing into a fixed rate loan and a variable rate loan. | |
| Extra repayments | It is only applicable for variable rates | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | |
| Eligibility: other | Restricted to eligible Australian Defence Force members | |
| Eligibility: residency status | Australian citizen or permanent resident, or New Zealand citizen. Restrictions apply if residential address is an overseas addresss. | |
| Eligibility: other | Lending criteria apply. | |
| Limit: min limit | 20000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.04% | 7.16% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.29% | 6.42% |
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.81% | 7.12% |
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.94% | 7.12% |
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.79% | 7.14% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.92% | 7.13% |
| Fixed · 4 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.92% | 7.12% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
rate-selected-by-free-text | Reason this product is not ranked | |
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