# NAB Tailored Home Loan — home loan review

> Reviewed by **Norg Editorial Team**
> Editorial Team, Norg Reviews
> Last reviewed: 2026-05-14T04:48:34.276Z
> Methodology: AussieBanks Review — Home Loans Methodology (v1.0.0)

## Company Overview
- Website: https://www.nab.com.au/personal/home-loans
- ABN: 12004044937
- Founded: 1858
- Regulator licence: AFSL 230686
- Vertical: au-banks

## Overall Rating: 3.8 / 5

Based on 0 detailed reviewer perspectives.

Big-Four reach but headline rate lagging peers. Package discount partially closes the gap.

## Pros
- NAB Choice Package brings rate close to competitive on negotiated discount

## Cons
- Unpackaged rate is the highest among Big Four for owner-occupier P&I

## Key Takeaways
### 1. Package discount is essential

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.

### 2. Existing-customer convenience matters

For customers with NAB transaction, savings, credit-card or business products, the all-in-one ecosystem can outweigh a 20 bps rate gap.

### 3. AFSL 230686 — NAB

National Australia Bank. APRA-regulated, Big Four ADI. FCS-protected deposits.

## Detailed Reviews