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 Up
Compare NAB and Up home loans in March 2026. NAB offers rates from 5.74% p.a. across 146 products, while Up starts at 5.45% p.a. with 6 products. Up currently has the lower rate by 0.29%.
Bank Two
VS
6 live products
Up
Best available rate
5.45%p.a.
Up Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.45%
Offset
Included
Redraw
Included
Live edge
Up is lower on headline home loan rate by 0.29%, which is roughly $121 per month on a $500,000 loan.
0.29% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | NAB | Up |
|---|---|---|
| Interest rate | 5.74% | 5.45% |
| Comparison rate | 6.28% | 5.45% |
| Offset account | Yes | Yes |
| Redraw | Yes | Yes |
All NAB Products
Every tracked home loans option from NAB.
All Up Products
Every tracked home loans option from Up.
NAB's lowest variable rate is 5.74% p.a. (comparison rate 6.28%) while Up starts at 5.45% p.a. (comparison rate 5.45%). Up is 0.29% lower, which saves approximately $121/month on a $500,000 loan.
Key features: NAB includes offset, NAB includes redraw, Up includes offset, Up includes redraw.
Quick Comparison
| Feature | NAB | Up |
|---|---|---|
| Interest Rate | 5.74% | 5.45% |
| Comparison Rate | 6.28% | 5.45% |
| Offset Account | Yes | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
NAB vs Up FAQs
Which bank has a lower home loan rate, NAB or Up?
Up currently offers the lower variable rate at 5.45% p.a. compared to 5.74% p.a. Always check the comparison rate for a true cost picture.
Do NAB and Up home loans have offset accounts?
NAB offers an offset account. Up offers 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 Up's lowest home loan rate in 2026?
Up's lowest variable rate is 5.45% p.a. (comparison rate 5.45%) on the Up Home Loan (Variable).