---
title: "Digital-only home loans compared"
description: "Owner-occupier loans from lenders that operate entirely online, with no branch network behind them."
canonical: https://www.cdrcompare.au/comparisons/digital-home-loans
source: "CDR Compare"
language: en-AU
---

# Digital-only home loans

> Owner-occupier loans from lenders that operate entirely online, with no branch network behind them.

These are starting points, not recommendations. Products are never ranked or scored, providers are listed alphabetically within each set, and nothing here is financial advice.

## Side by side

| Product | Provider | Headline | Detail |
| --- | --- | --- | --- |
| Athena Straight Up | Athena Home Loans | From (owner occupied): 6.24% | https://www.cdrcompare.au/brands/athena-home-loans/products/athena-straight-up |
| Digi Home Loan (Owner Occupied) | CommBank | From (owner occupied): 6.09% | https://www.cdrcompare.au/brands/commbank/products/c1d7e8ef741e45e5b013fa7d05574e80 |
| Neat - OO Variable P&I | UBank | From (owner occupied): 6.09% | https://www.cdrcompare.au/brands/ubank/products/11 |
| Up Home Loan | Up | From (owner occupied): 5.95% | https://www.cdrcompare.au/brands/up/products/up-home |

### Athena Straight Up — Athena Home Loans

Variable-rate home loan with no Athena-charged fees and free redraw. Includes AcceleRATES automatic rate reductions as LVR drops, and Automatic Rate Match for existing customers. No offset.

- **From (owner occupied):** 6.24% (6.24% comparison)

Full detail: https://www.cdrcompare.au/brands/athena-home-loans/products/athena-straight-up.md

### Digi Home Loan (Owner Occupied) — CommBank

A digital home loan with a low variable rate

- **From (owner occupied):** 6.09% (6.22% comparison)

Full detail: https://www.cdrcompare.au/brands/commbank/products/c1d7e8ef741e45e5b013fa7d05574e80.md

### Neat - OO Variable P&I — UBank

A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account (owner occupied, principal and interest loan).

- **From (owner occupied):** 6.09% (6.11% comparison)

Full detail: https://www.cdrcompare.au/brands/ubank/products/11.md

### Up Home Loan — Up

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)

Full detail: https://www.cdrcompare.au/brands/up/products/up-home.md

## Category

Home Loans. Every provider that publishes in this category is in the directory at https://www.cdrcompare.au/.

## A different mix

This exact set is editable at https://www.cdrcompare.au/compare?p=athena-home-loans:athena-straight-up,commbank:c1d7e8ef741e45e5b013fa7d05574e80,ubank:11,up:up-home — swap any product for another provider's.

---

Source: [CDR Compare](https://www.cdrcompare.au/comparisons/digital-home-loans) — 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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