As of 18 September 2026, Up has one home loan product in 6 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 5.95% (Up Home Loan), ranking 4th of 107 variable owner-occupier P&I loans and sitting 0.81 points below the market average of 6.76%.
- Lowest comparison rate
- 5.95%
- Up Home Loan
- Market rank
- #4
- of 107 variable owner-occupier P&I loans
- Products
- 1
- 6 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- Up Home Loan
- RBA cash rate
- Market average
What changed
No changes recorded for Up's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · offset account · redraw · no ongoing fee · 6 variants
1y 5.99%2y 6.04%3y 6.06%4y 6.11%5y 6.15%5.95%#4 of 107comparison · 5.95% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on Up home loans
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