As of 18 September 2026, the Up Up Home Loan's variable owner-occupier P&I variant has a comparison rate of 5.95% (5.95% advertised), ranking 4th of 107 variable owner-occupier P&I loans and sitting 0.81 points below the market average of 6.76%. The product comes in 6 variants; the others are fixed-rate.
5.95%comparison rate p.a.
5.95% advertised · Variable · P&I · Owner-occupier
5 other variants: fixed-rate below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier- Up Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier
- 5.95% comparison · 5.95% advertised
- 1yr Fixed · P&I · Owner-occupier
- 5.99% comparison · 6.35% advertised
- 2yr Fixed · P&I · Owner-occupier
- 6.04% comparison · 6.40% advertised
- 3yr Fixed · P&I · Owner-occupier
- 6.06% comparison · 6.35% advertised
- 4yr Fixed · P&I · Owner-occupier
- 6.11% comparison · 6.40% advertised
- 5yr Fixed · P&I · Owner-occupier
- 6.15% comparison · 6.40% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $50,000
- Maximum loan
- $7,500,000
About this product
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.