An award‑winning offsets home loan.

Up Home automatically turns your eligible Savers and Spending account into free 100% offsets. Put our auto-saving features to work and control the life of your loan — all from the comfort of your phone.

Experience our award‑winning home loan today.

Mozo Experts Choice Award 2024: Offset Home Loan Winner

Free Offsets & Redraw.

Get up to 50 Savers and a joint Spending account that all automatically flip into free 100% offsets. Enjoy free redraw and no application, setup, monthly or annual fees.

Auto-Saving Integration.

Inject your loan with system-wide integration and auto-saving features that help you pay off your loan sooner.

100% Digital.

Complete your application in-app and we’ll handle the rest. Manage your entire loan on your phone, from the couch or on the go.

Meet our Up Home Guides.

Our expert Up Home Guides are here to help you get set up without a fuss. Chat with our locally based team in-app via the Talk to Us tab today.

Upgrade your Home Loan

If you're not an Upsider yet, you'll need to join first. If you're keen for a chat over the phone, you can reach out to our Up Home Guides during business hours (9am-5pm AEST/AEDT) Monday to Friday. Just dial 1300 002 258 and select option 3.

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.

Life’s better on the Upside

Up acknowledges the Wurundjeri Woi-wurrung and Bunurong Boon Wurrung people of the Eastern Kulin Nation as the traditional custodians of the land where we build and create. We recognise their deep creative connection to Country, and want to continue this notion of play and knowledge sharing. Aboriginal and Torres Strait Islander sovereignty was never ceded, this continent always was and always will be Aboriginal land.

We Pay The Rent

Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.