ANZ vs NAB Home Loan
Rates and conditions verified 14 June 2026
Rates can change without notice. Last verified: 14 June 2026 (AEST). Please confirm details on the bank’s official page.
Two of the big four compared on their owner-occupier variable home loans. Features are broadly similar — offset, packages, branches — so the rate and your banking relationship usually tip the balance.
At a glance
| ANZ Simplicity PLUS | NAB Base Variable Rate Home Loan | |
|---|---|---|
| Lowest variable rate (p.a.) | 6.39% | 6.44% |
ANZ Simplicity PLUS
Best for: borrowers who want a big-four loan with offset and a strong app, especially existing ANZ customers
- • Offset and package options
- • Big-four branch access
- • ANZ Plus digital banking
NAB Base Variable Rate Home Loan
Best for: those after a big-four loan with offset who may already bank with NAB
- • Offset and package options
- • Established big-four lender
- • Branch access
The verdict
Like the other big-four match-ups, this is more about rate and relationship than features — both offer offset accounts, packaged discounts and branch access. Check the current variable rates side by side below, and factor in where you already bank. If the lowest possible rate matters more than a branch network, compare both against the online lenders in our full home loans list.
FAQs
Which is better, an ANZ or NAB home loan?
On features they're very similar — both offer offset, package discounts and branch access. The better choice usually comes down to the current rate (compare it above) and whether you already bank with one, which can make the process simpler.
Related guides
Information verified 14 June 2026. Rates are variable and subject to change. Confirm current rates and conditions on each provider's website before applying. This is not financial advice.