Product Library

Up Home Loan

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.

Category: Home Loans Last Updated June 3, 2026 Effective March 16, 2022

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Variable rate

Interest Rate
5.95% PA

Comparison Rate
5.95%PA*

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions.

Product Features

Digital Banking Additional Information: Apply for and manage your Up Home loan online through Up’s mobile banking application.

Extra Repayments Additional Information: 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 Additional Information: Use your Up spending account and Savers as offsets.

Redraw Additional Information: Redraws are limited to the total amount prepaid, less one repayment. Other conditions may apply as per Loan Schedule and Home Loan Booklet.

Product Eligibility

Min Age - 18.

Residency Status - Australian Resident.

Other - Credit And Lending Criteria Apply.

Bank Fees and Charges

Bank Cheque Fee (Event), Amount: 12.75.

Limitations & Restrictions (Constraints)

Max Lvr of 0.90 Additional Information: A maximum 90% Loan to Value Ratio applies. A minimum 10% deposit is required.

Max Limit of 7500000.00 Additional Information: A maximum borrowable amount for the loan.

Min Limit of 50000.00 Additional Information: A minimum borrowable amount for the loan.

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