146 live products
NAB
Best available rate
5.74%p.a.
Nab Tailored Home Loan (Fixed 1 Yr)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
6.28%
Offset
Included
Redraw
Included
Finding the best rates…
Home Loans Comparison
Bank One
NAB
Best available
From 5.74% p.a.
Line-up
146 live products
VS
NAB vs St. George
Compare NAB and St. George home loans in March 2026. NAB offers rates from 5.74% p.a. across 146 products, while St. George starts at 5.79% p.a. with 145 products. NAB currently has the lower rate by 0.05%.
VS
145 live products
St. George
Best available rate
5.79%p.a.
Basic Variable Home Loan
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.80%
Offset
Not included
Redraw
Included
Live edge
NAB is lower on headline home loan rate by 0.05%, which is roughly $21 per month on a $500,000 loan.
0.05% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | NAB | St. George |
|---|---|---|
| Interest rate | 5.74% | 5.79% |
| Comparison rate | 6.28% | 5.80% |
| Offset account | Yes | No |
| Redraw | Yes | Yes |
All NAB Products
Every tracked home loans option from NAB.
All St. George Products
Every tracked home loans option from St. George.
NAB's lowest variable rate is 5.74% p.a. (comparison rate 6.28%) while St. George starts at 5.79% p.a. (comparison rate 5.80%). NAB is 0.05% lower, which saves approximately $21/month on a $500,000 loan.
Key features: NAB includes offset, NAB includes redraw, St. George includes redraw.
Quick Comparison
| Feature | NAB | St. George |
|---|---|---|
| Interest Rate | 5.74% | 5.79% |
| Comparison Rate | 6.28% | 5.80% |
| Offset Account | Yes | No |
| Redraw Facility | Yes | Yes |
Common Questions
NAB vs St. George FAQs
Which bank has a lower home loan rate, NAB or St. George?
NAB currently offers the lower variable rate at 5.74% p.a. compared to 5.79% p.a. Always check the comparison rate for a true cost picture.
Do NAB and St. George home loans have offset accounts?
NAB offers an offset account. St. George does not include an offset account.
What is NAB's lowest home loan rate in 2026?
NAB's lowest variable rate is 5.74% p.a. (comparison rate 6.28%) on the Nab Tailored Home Loan (Fixed 1 Yr).
What is St. George's lowest home loan rate in 2026?
St. George's lowest variable rate is 5.79% p.a. (comparison rate 5.80%) on the Basic Variable Home Loan.