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.
Category: Home Loans  Last Updated June 3, 2026  Effective March 16, 2022

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Variable rate
Interest Rate
5.95% PA
Comparison Rate
5.95%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, FIXED, 6.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.35%, Comparison Rate 5.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.40%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.40%, Comparison Rate 6.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.35%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.40%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.40%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.40%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.40%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking Additional Information: Apply for and manage your Up Home loan online through Up’s mobile banking application.
  • Extra Repayments Additional Information: For fixed rate loans, extra repayments are allowed up to $30,000 in total during the fixed rate period. Extra repayments above this limit may incur a prepayment fee. For variable rate loans, extra repayments are unlimited.
  • Offset Additional Information: Use your Up spending account and Savers as offsets.
  • Redraw Additional Information: Redraws are limited to the total amount prepaid, less one repayment. Other conditions may apply as per Loan Schedule and Home Loan Booklet.

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Resident.
  • Other - Credit And Lending Criteria Apply.

 Bank Fees and Charges

  • Bank Cheque Fee (Event), Amount: 12.75.

 Limitations & Restrictions (Constraints)

  • Max Lvr of 0.90 Additional Information: A maximum 90% Loan to Value Ratio applies. A minimum 10% deposit is required.
  • Max Limit of 7500000.00 Additional Information: A maximum borrowable amount for the loan.
  • Min Limit of 50000.00 Additional Information: A minimum borrowable amount for the loan.