{
  "_id": "review.nab-tailored-home-loan",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "Unpackaged rate is the highest among Big Four for owner-occupier P&I"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "12004044937",
    "bankingDetails": {
      "afslLicence": "AFSL 230686",
      "baseRate": 6.54,
      "comparisonRate": 6.69,
      "features": [
        "Choice Package available (adds offset + discount)",
        "Full branch + broker channel",
        "Bundled with NAB ecosystem"
      ],
      "maxLVR": 95,
      "monthlyFee": 8,
      "productType": "home-loan"
    },
    "foundedYear": 1858,
    "name": "NAB Tailored Home Loan",
    "regulator": "AFSL 230686",
    "slug": {
      "_type": "slug",
      "current": "nab-tailored-home-loan"
    },
    "vertical": "au-banks",
    "website": "https://www.nab.com.au/personal/home-loans"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "Without Choice Package, the Tailored Home Loan rate sits 20–40 bps above peer Big Four products. With the package and a broker-negotiated discount, NAB can be competitive.",
      "heading": "Package discount is essential"
    },
    {
      "body": "For customers with NAB transaction, savings, credit-card or business products, the all-in-one ecosystem can outweigh a 20 bps rate gap.",
      "heading": "Existing-customer convenience matters"
    },
    {
      "body": "National Australia Bank. APRA-regulated, Big Four ADI. FCS-protected deposits.",
      "heading": "AFSL 230686 — NAB"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Home Loans Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 3.8,
  "pros": [
    "NAB Choice Package brings rate close to competitive on negotiated discount"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Big-Four reach but headline rate lagging peers. Package discount partially closes the gap.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "nab-tailored-home-loan"
  },
  "status": "published",
  "title": "NAB Tailored Home Loan — home loan review"
}