Up Home Loan
Home LoansData Sharing Status
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.
- 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 — $7,500,000.00A maximum borrowable amount for the loan.
- Minimum limit — $50,000.00A minimum borrowable amount for the loan.
More Information
Published by Up under the Consumer Data Right · Last updated 8 July 2026 · Product ID up-home · View on CDR.gov.au