Up
Up 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.
Home loansBank updated 8 July 2026
At a glance
- Variable (owner occ. P&I)
- 5.95% · 5.95% comparison
- Fixed
- 1 yr 6.35% · 2 yrs 6.40% · 3 yrs 6.35% · 4 yrs 6.40% · 5 yrs 6.40%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFixed for 1 year | Owner occupied · P&I | 1 yr fixed | — | 6.35% | 5.99% | — |
| FixedFixed for 2 years | Owner occupied · P&I | 2 yrs fixed | — | 6.40% | 6.04% | — |
| FixedFixed for 3 years | Owner occupied · P&I | 3 yrs fixed | — | 6.35% | 6.06% | — |
| FixedFixed for 4 years | Owner occupied · P&I | 4 yrs fixed | — | 6.40% | 6.11% | — |
| FixedFixed for 5 years | Owner occupied · P&I | 5 yrs fixed | — | 6.40% | 6.15% | — |
| VariableVariable rate | Owner occupied · P&I | — | — | 5.95% | 5.95% | — |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bank Cheque Fee | Event | $12.75 | — | — |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian resident
- · Amount $50,000 to $7,500,000
- · Maximum LVR 90%
- · Credit and lending criteria apply
§ 06 — Run the numbers
Put this product through a calculator
Published by Up under the Consumer Data Right, last changed by them on 8 July 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.