---
title: "Up Home Loan — Up"
description: "Home Loans from Up. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/up/products/up-home
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-08T13:07:46+10:00
---

# Up Home Loan — Up

> Home Loans from Up. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

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

- **From (owner occupied):** 5.95% (5.95% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Variable rate) | 5.95% | 5.95% | — |
| Fixed · 1 year (Fixed for 1 year) | 6.35% | 5.99% | — |
| Fixed · 3 years (Fixed for 3 years) | 6.35% | 6.06% | — |
| Fixed · 2 years (Fixed for 2 years) | 6.4% | 6.04% | — |
| Fixed · 4 years (Fixed for 4 years) | 6.4% | 6.11% | — |
| Fixed · 5 years (Fixed for 5 years) | 6.4% | 6.15% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Bank Cheque Fee | Event | $12.75 |

## Features

- **Digital banking** (Apply for and manage your Up Home loan online through Up’s mobile banking application.)
- **Extra repayments** (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 account** (Use your Up spending account and Savers as offsets.)
- **Redraw facility** (Redraws are limited to the total amount prepaid, less one repayment. Other conditions may apply as per Loan Schedule and Home Loan Booklet.)

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Australian resident
- **Other** — Credit and lending criteria apply

## Constraints

- **Maximum LVR** — 90% (A maximum 90% Loan to Value Ratio applies. A minimum 10% deposit is required.)
- **Maximum limit** — $7,500,000.00 (A maximum borrowable amount for the loan.)
- **Minimum limit** — $50,000.00 (A minimum borrowable amount for the loan.)

## More information from Up

- [Overview](https://up.com.au/home-loans)
- [Terms & conditions](https://up.com.au/product-terms/)
- [Eligibility](https://up.com.au/product-terms/#keyfeaturestable)
- [Fees & pricing](https://up.com.au/pricing/)

## Data provenance

- Published by Up under the Consumer Data Right
- Product ID: `up-home`
- Last updated by the provider: 8 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/up/up-home
- Provider page: https://www.cdrcompare.au/brands/up
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000113

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/up/products/up-home) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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