NAB Tailored Home Loan — home loan review
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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: 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
1. NAB Choice Package brings rate close to competitive on negotiated discount

CONS
1. 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