First home buyer special: 3.69%p.a. (CR n/a) 2 year fixed + 350,000 rewards points + a $1000 eGift card!

NAB understands entry into the property market is hard, particularly for young Australians.

With this special offer, NAB is providing some help to make it easier for prospective first home buyers achieve their homeownership dreams.

This special offer complements the policies and processes NAB already has in place to support first home buyers, including:

  • The NAB Family Guarantee.
  • Recognition of rental history as genuine savings.

For a limited time only this offer from NAB can be combined with a $1000 Woolworth’s Wish eGift Card courtesy of Naritas (minimum loan size $400,000)* OR free rate lock (0.15% of the approved facility limit rounded to the nearest $10).


NAB was awarded Money Magazine’s Bank of year 2016


This 2 year fixed special can be combined with a 100% offset variable under the NAB Choice Package:

Product Repayment type $250K-$749K Rate CR $750K -$2MIL Rate CR
NAB Choice Package Variable O/O P&I 3.99%p.a. 4.38%p.a. 3.83%p.a. 4.23%p.a.
NAB Choice Package Variable O/O I/O 4.09%p.a. 4.48%p.a. 3.93%p.a. 4.33%p.a.
NAB Choice Package Variable INV P&I 4.43%p.a. 4.81%p.a. 4.08%p.a. 4.47%p.a.
NAB Choice Package Variable INV I/O 4.53%p.a. 4.91%p.a. 4.18%p.a. 4.57%p.a.

NB: Pricing listed above is for sub 80% LVR. For over 80%LVR or over $2mil please contact us here to discuss pricing & offers.

Eligibility criteria:

Customers must meet all of the following requirements in order to access this special offer:

  • All home loan applicants must be first home buyers purchasing a residential property (i.e. not available for customers who currently have or have previously purchased a property; product swaps are not available).
  • Owner occupier, principal and interest customers only; excludes external and internal refinances; maximum of 90% LVR applies.
  • The Choice Package annual fee of $395 per annum applies



NAB’s Choice Package Variable Home Loan comes with a range of great features:
100% Offset Facility NAB Pay for Android
Money Magazine’s Bank of the year 2016 $0 application fee
NAB Rewards Platinum Credit Card Access your money from over 3000 branches & ATMs

How do I get this great offer from Naritas?

  • To make an enquiry online, click here.
  • Alternatively please feel free to phone us on 1300 558 887 during business hours.


*Naritas Finance Gift Card Offer Terms & Conditions:

  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 03 April 2017 and closes 30 November 2017 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A Woolworths Wish gift card will be issued under the gift card offer (“Gift Card Offer”) will be given for residentially secured owner occupied home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange a NAB Choice Package Home Loan and must not be an existing NAB Group Home Loan customer. A borrower’s loan application in conjunction with this Gift Card Offer will be subject to NAB’s usual credit assessment and approval processes.
  6. The Gift Card Offer is $1,000 where the total loan financed, either jointly or individually with NAB is $400,000 or more.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 30 June 2017.
  9. A borrower is eligible for a Gift Card Offer only once during the Offer Period. Once a loan application that is eligible for a Gift Card Offer is received, no further loans which include that borrower, jointly or individually will be eligible for a Gift Card Offer.
  10. Fees and charges apply to loans taken out under this Gift Card Offer. Refer to the NAB Mortgage Loans Fees and Charges brochure
  11. The Gift Card Offer will be issued to the nominated email address of the primary borrower after the settlement date. The Gift Card Offer will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the Gift Card Offer to any other person.
  13. Naritas accepts no responsibility for any tax implications that may arise from the Gift Card Offer. The borrower should seek their own independent advice in this regard.
  14. This offer is not available in conjunction with any other promotional offer Naritas has available including our ‘refer-a-contact’ promotion.
  15. Participation in the Gift Card Offer is deemed acceptance of these terms.

NAB Important Information:


**An ‘eligible NAB Home Loan and Banking Bundle’ involves taking out a NAB Home Loan of $250,000 or more, a NAB Credit Card and a NAB Transaction Account.

This offer is limited to a maximum of 350,000 NAB Rewards Points per customer and per home loan application. This means, if there is more than one applicant and one applicant receives the 350,000 NAB Rewards Points, all applicants are deemed to have received the Rewards Points. This offer is not available on NAB HomePlus and NAB Peak Performance, lines of credit and Portfolio facilities. This offer is not available for new home lending with or refinances from uBank or Advantedge. Not available for refinances from NAB.

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.