Up home loans
Up has one home loan that BankMate tracks, with 12 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest.
Home loan · Variable
Up Home Loan
6.20%comparison rate p.a. · 6.20% advertised
Variable · P&I · Owner-occupier · ≤90% LVR
6th of 93 variable owner-occupier P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier · ≤90% LVR
- 6.20% comparison · 6.20% advertised
- Variable · P&I · Investor · ≤90% LVR
- 6.35% comparison · 6.35% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤90% LVR
- 6.23% comparison · 6.45% advertised
- 1yr Fixed · P&I · Investor · ≤90% LVR
- 6.38% comparison · 6.60% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤90% LVR
- 6.25% comparison · 6.45% advertised
- 2yr Fixed · P&I · Investor · ≤90% LVR
- 6.40% comparison · 6.60% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤90% LVR
- 6.30% comparison · 6.55% advertised
- 3yr Fixed · P&I · Investor · ≤90% LVR
- 6.45% comparison · 6.70% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤90% LVR
- 6.36% comparison · 6.65% advertised
- 4yr Fixed · P&I · Investor · ≤90% LVR
- 6.52% comparison · 6.80% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤90% LVR
- 6.40% comparison · 6.65% advertised
- 5yr Fixed · P&I · Investor · ≤90% LVR
- 6.55% comparison · 6.80% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $50,000
- Maximum loan
- $7,500,000
- Up Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20262 changes
- 8Thu
- 6 variants up 0.14 to 0.258 days after the RBA rise to 4.60%+0.14 to +0.25All P&I · Owner-occupier · ≤90% LVR
Variable 5.95 6.20 +0.25 1yr Fixed 6.00 6.23 +0.23 2yr Fixed 6.05 6.25 +0.20 3yr Fixed 6.12 6.30 +0.18 4yr Fixed 6.17 6.36 +0.19 5yr Fixed 6.26 6.40 +0.14
- 5Mon
- 5 variants up 0.01 to 0.115 days after the RBA rise to 4.60%+0.01 to +0.11All P&I · Owner-occupier · ≤90% LVR
1yr Fixed 5.99 6.00 +0.01 2yr Fixed 6.04 6.05 +0.01 3yr Fixed 6.06 6.12 +0.06 4yr Fixed 6.11 6.17 +0.06 5yr Fixed 6.15 6.26 +0.11
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.
Notes on Up home loans
to leave a note.
As of 1 November 2026, Up has one home loan product in 12 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.20% (Up Home Loan), ranking 6th of 93 variable owner-occupier P&I loans and sitting 0.38 points below the market average of 6.58%. Its rates last moved on 8 October 2026, 8 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.