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.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.60% | 6.38% | Fixed · 1 year · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.60% | 6.40% | Fixed · 2 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.70% | 6.45% | Fixed · 3 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.80% | 6.52% | Fixed · 4 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.80% | 6.55% | Fixed · 5 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.45% | 6.23% | Fixed · 1 year · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.45% | 6.25% | Fixed · 2 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.55% | 6.30% | Fixed · 3 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.65% | 6.36% | Fixed · 4 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.65% | 6.40% | Fixed · 5 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.35% | 6.35% | Variable · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.20% | 6.20% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.up.com.au/cds-au/v1/banking/products/up-home- Content hash
sha256 e6291ce413d658b7e6b825f79bbcf39546c87d55051cbbca87a12142308cdf49- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_e6291ce413d658b7_707b415eShow details
- Checked
- 1 Nov 2026
- URL
https://api.up.com.au/cds-au/v1/banking/products/up-home- Content hash
sha256 e6291ce413d658b7e6b825f79bbcf39546c87d55051cbbca87a12142308cdf49- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Bank Cheque Fee | Event | $12.75 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| 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 | Use your Up spending account and Savers as offsets. | |
| Redraw | Redraws are limited to the total amount prepaid, less one repayment. Other conditions may apply as per Loan Schedule and Home Loan Booklet. | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Australian resident | |
| Eligibility: other | Credit and lending criteria apply | |
| Limit: max lvr | 0.90 | |
| Limit: max limit | 7500000.00 | |
| Limit: min limit | 50000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 4 years · investment · principal and interest | 1 Nov 2026 | Current | 6.80% | 6.52% |
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.65% | 6.40% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.20% | 6.20% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 6.35% | 6.35% |
| Fixed · 2 years · investment · principal and interest | 1 Nov 2026 | Current | 6.60% | 6.40% |
| Fixed · 1 year · investment · principal and interest | 1 Nov 2026 | Current | 6.60% | 6.38% |
| Fixed · 4 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.65% | 6.36% |
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.45% | 6.25% |
| Fixed · 5 years · investment · principal and interest | 1 Nov 2026 | Current | 6.80% | 6.55% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.55% | 6.30% |
| Fixed · 3 years · investment · principal and interest | 1 Nov 2026 | Current | 6.70% | 6.45% |
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.45% | 6.23% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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