UpUp Home Loan
Up Home is a simple loan that works seamlessly with your Up banking. Starting from 10% LVR, it’s first time owner friendly too. Use the Up features you love to own your own home faster.
At a glance
- Variable (owner occ. P&I)
- 6.20%6.20% comparison
- Variable (investor P&I)
- 6.35%
- Fixed
- 1 yr 6.45%, 2 yrs 6.45%, 3 yrs 6.55%, 4 yrs 6.65%, 5 yrs 6.65%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.20% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 23rd lowest of 104 |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.45% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 21st lowest of 82 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.45% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 21st lowest of 84, level with one other |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.55% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 26th lowest of 80 |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.65% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 10th lowest of 63, level with one other |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.35% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 12th lowest of 104 |
Rates
Every rate Up publishes for this home loan, 12 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%6.20%
- 1 yr fixedtypical 6.59%6.45%
- 2 yrs fixedtypical 6.62%6.45%
- 3 yrs fixedtypical 6.69%6.55%
- 4 yrs fixed6.65%
- 5 yrs fixedtypical 6.89%6.65%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFixed for 1 year | Investment, P&I | 1 yr fixed | - | 6.60% | 6.38% | - |
| FixedFixed for 2 years | Investment, P&I | 2 yrs fixed | - | 6.60% | 6.40% | - |
| FixedFixed for 3 years | Investment, P&I | 3 yrs fixed | - | 6.70% | 6.45% | - |
| FixedFixed for 4 years | Investment, P&I | 4 yrs fixed | - | 6.80% | 6.52% | - |
| FixedFixed for 5 years | Investment, P&I | 5 yrs fixed | - | 6.80% | 6.55% | - |
| FixedFixed for 1 year | Owner occupied, P&I | 1 yr fixed | - | 6.45% | 6.23% | - |
| FixedFixed for 2 years | Owner occupied, P&I | 2 yrs fixed | - | 6.45% | 6.25% | - |
| FixedFixed for 3 years | Owner occupied, P&I | 3 yrs fixed | - | 6.55% | 6.30% | - |
| FixedFixed for 4 years | Owner occupied, P&I | 4 yrs fixed | - | 6.65% | 6.36% | - |
| FixedFixed for 5 years | Owner occupied, P&I | 5 yrs fixed | - | 6.65% | 6.40% | - |
| VariableVariable rate | Investment, P&I | - | - | 6.35% | 6.35% | - |
| VariableVariable rate | Owner occupied, P&I | - | - | 6.20% | 6.20% | - |
Rate changes
6 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Variable, Owner occupied, P&I | 5.95% | 6.20% | up 0.25 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.35% | 6.45% | up 0.10 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.40% | 6.45% | up 0.05 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.35% | 6.55% | up 0.20 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed | 6.40% | 6.65% | up 0.25 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed | 6.40% | 6.65% | up 0.25 |
Each change is logged the night it appears in the rates Up publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
When particular things happen1
- Bank Cheque Fee$12.75
Features
Eligibility and limits
- Minimum age 18
- Residency: Australian resident
- Amount $50,000 to $7,500,000
- Maximum LVR 90%
- Credit and lending criteria apply
Compare it with others
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Published by Up under the Consumer Data Right, last changed by them on 8 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.