Up
Up Home Loan
Up · residential mortgages
Provider last updated this product 2026-07-08.
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.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 5.95% | 5.95% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| Variable rate | |||||||
| FIXED | 6.35% | 5.99% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| Fixed for 1 year | |||||||
| FIXED | 6.40% | 6.04% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 24 months | - | calculated daily, paid monthly |
| Fixed for 2 years | |||||||
| FIXED | 6.35% | 6.06% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 36 months | - | calculated daily, paid monthly |
| Fixed for 3 years | |||||||
| FIXED | 6.40% | 6.11% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 48 months | - | calculated daily, paid monthly |
| Fixed for 4 years | |||||||
| FIXED | 6.40% | 6.15% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 60 months | - | calculated daily, paid monthly |
| Fixed for 5 years | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Bank Cheque Fee | EVENT | $12.75 | - |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 5.95% | 5.95% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- residency status - Australian resident
- other - Credit and lending criteria apply
Limits
- max lvr - 0.90A maximum 90% Loan to Value Ratio applies. A minimum 10% deposit is required.
- max limit - 7500000.00A maximum borrowable amount for the loan.
- min limit - 50000.00A minimum borrowable amount for the loan.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-08T13:07:46+10:00 · Product ID: up-home