Up
Every product Up publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 20 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Adelaide Bank, AFG Home Loans Alpha, Aussie Elevate, Bendigo Bank, Connective Select, NRMA Home Loans, Qantas Money Basic/Offset Home Loans, Rural Bank and Tiimely Home under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 237879, held by Bendigo and Adelaide Bank Limited; credit licence since 6 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
4 products in 2 categories
Up's rates today
Up's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Up sits among every institution's best
| Rate | Up | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.20%Up Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.55%Up Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 3.60%Up Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
Up home loan repayments
Repayments at Up's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableUp Home Loan6.20%6.20% comparison$3,675a month
$722,933 in interest, $1,322,933 repaid in all
- 1-year fixedUp Home Loan6.45%6.23% comparison$3,773a month
$758,172 in interest, $1,358,172 repaid in all
- 2-year fixedUp Home Loan6.45%6.25% comparison$3,773a month
$758,172 in interest, $1,358,172 repaid in all
- 3-year fixedUp Home Loan6.55%6.30% comparison$3,812a month
$772,377 in interest, $1,372,377 repaid in all
- 5-year fixedUp Home Loan6.65%6.40% comparison$3,852a month
$786,644 in interest, $1,386,644 repaid in all
- Investor variableUp Home Loan6.35%6.35% comparison$3,733a month
$744,029 in interest, $1,344,029 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Up's own calculator: confirm the rate with Up before you apply.
Up home loan rates
Compare across banks1 product
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.20%, with a comparison rate of 6.20%, on its Up Home Loan: 23rd lowest of 104 lenders.
Up savings and transaction account rates
Compare across banks3 products
Its highest savings rate is up to 3.60% (0.00% base plus a 3.60% bonus when its conditions are met), on its Up Saver: 54th highest of 84 institutions.
Has Up passed on the RBA's November 2026 rate rise?
Up hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Thu 8 Oct
Up lifted 1 variable home loan rate by 0.25 percentage points.
0.25Up lifted 1 savings rate by 0.25 percentage points.
0.25
Mon 5 Oct
Up lifted 5 fixed home loan rates by 0.05 to 0.25 percentage points.
0.05 to 0.25
Published by Up under the Consumer Data Right, last changed by them on 20 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.