Your home loan.
At home in Up.
Up Home brings your home loan and everyday banking together. Automatic offsets and smart tools put more of your money to work, so you can pay less interest and own your home sooner.
Our best rate,
for everyone.
Our variable annual and comparison rates are the same, because we don’t charge most of the fees that can push comparison rates higher.
Current Annual & Comparison Rate
Smart tools to help pay it off sooner.
Create up to 50 Savers that automatically become free 100% Offsets. . Round Ups and Pay Splitting keep money flowing in, and clear insights show the dent you’re making.
Try the Upgraded Rate calculator to see how Up’s tools could improve your rate, how much sooner you could pay off your loan and the interest you could save.
Get your Upgraded Rate
Apply in‑app. Humans on hand.
Explore your options and apply in-app at your own pace. If you need a hand, our local Up Home Guides are real people, available Monday to Friday from 9am–5pm AEST/AEDT.
One smooth, connected banking experience.
Up Home picked up two 2026 Finder Awards: Best First Home Buyer Home Loan and Best Variable Home Loan with Offset.
See the numbers before you apply.
Whatever path you choose, you’ll have a clear view of your costs and repayments before you apply. Our rates are upfront, with our best available offer shown from the start.
How much does
a home cost?
The slider above gives you an idea of what your repayments could be for an owner-occupied home loan, assuming you borrow 80% of the property price at a variable and comparison rate of % p.a. over 30 years. It also estimates the gross income you may need. To see how it's worked out, give this explainer a read.
Is Up Home right for you?
Up Home is for Upsiders buying or refinancing a home or investment property. Apply on your own or with your Player 2, then manage your loan alongside your everyday banking in Up.
Check your eligibilityGet ready to buy.
Understand your borrowing power, explore what you could afford and get your finances assessed before you find a place. When you’re ready, save your application and add the property.
Bring your home in‑house.
Refinance with Up to bring your home loan and everyday banking together. Eligible Savers automatically become 100% offsets, repayments fit around your pay and clear insights show you the progress you’re making.
Apply in-app, with real people ready to help when you need them.
I'm ready to refinance
Find your way into property.
Live where you love. Invest where it makes sense. Buy an investment property or refinance your existing loan, with automatic offsets, smart tools and human support built into your everyday banking.
Explore investment loans
Tell us you’re dreaming.
Start a Home Deposit Saver to see what it could take to get into a home of your own.
See your savings in Up and elsewhere together in one place, with upfront costs like stamp duty accounted for and a timeline based on how you actually save.
Track your progress and learn about buying along the way, so you always know where you stand.
Home buying, decoded.
The Up Home Learning Centre helps you prepare your finances, understand the numbers, explore grants and concessions you may be eligible for and make sense of the jargon before you make your move.
Support from real humans.
Our Up Home Guides are real people, ready to help you get set up and answer questions along the way.
Message our local Melbourne team in-app through Talk to Us, or call us if you’d prefer to talk things through.
Phone support is available Monday to Friday, 9am–5pm AEST/AEDT. Call 1300 002 258 and select option 3.
Your keys are in the app.
The Finer Details
Home loan words can be… a lot. Check out our plain English guide if anything on this page could use a little explanation.