Apply for Up Home

Early Access to Up Home is now open by invitation only, to a small number of Upsiders. If Up Home sounds right for you, and you’re refinancing an existing loan, let us know you’re interested through Talk To Us in‑app.

Before you apply, we recommend you check out the Up Home Booklet, our Target Market Determinations, Key Facts Sheet, privacy docs, and credit guide. It’s a bit to read, but this is a big deal.

What you’ll need

If you’re invited to join the first crew of ace Up Home owners, you’ll need to answer a few quick questions about yourself and your home. Have some ID handy as well as a general idea of your income and expenses.

What happens next?

While you’re applying in-app we’ll be automagically valuing your property, checking your details, running a credit check and validating your finances. If there’s something the Up robots can’t find, our team of real humans will pop in and help out.

Once you’re approved, your loan docs will be auto-generated and sent to you. Sign and return them. Easy!

I didn’t get an early access invite. When can I apply?

We’ll be rolling out more invitations soon, promise. Keep an eye out in-app or through our monthly newsletter.

Fair rates. No sneaky fees

Our home loans are haggle-free, and we’ve ditched a lot of bank fee bollocks to make your loan cheaper. 

How our fees and rates work

Stick with your Savers

Keep all your Up Savers, and see your money in one place. Savers automatically switch from earning interest to offsetting your loan.

What’s the magic with Up offsets?

Own it on turbo

Shorten the life of your loan with Round Ups, Boosted Round Ups, Pay Splitting, and all the Up features you love.

Show me how to speed it up!

First time friendly

Start off with as little as a 10% deposit in metro and major regional areas.

Is Up Home right for me?

Mighty fine details

Home loan words can be… a lot. Check out our plain English guide if anything on this page could use a little explanation.