Refinance without the runaround.
Refinancing doesn't need to feel like a second job. Make the switch in-app, guided by real people when you need them. Bring your home loan, spending and savings together, putting more of your money to work to help you 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
Refinance in-app. Humans on hand.
Switch without the stress.
A simple process straight from the Up app, with real people there whenever you have a question. We’ll help you make the switch, bringing your home loan and everyday banking together in Up.
Automatic offsets & smart tools.
Put more of your money to work.
Eligible Savers automatically become free 100% offsets, so all your money in Up helps reduce your interest. Round Ups and Pay Splitting can keep your offsets growing and bring your finish line closer.
Use our Upgraded Rate calculator to see how much time and money you could save over the term of your loan.
Our best rate from the start.
No negotiation games.
Get a great rate upfront. It doesn’t depend on who you know or how hard you push. Our best rate is for everyone.
Ready to make the switch?
Scan the QR code and start your application. If you're not an Upsider yet, you'll need to join first.
Our local Up Home Guides are available in-app via Talk to Us. They're real people, available Monday to Friday, 9am–5pm AEST/AEDT. Prefer to chat by phone? Call 1300 002 258 and select option 3.
Upsider experiences.
Don't just take our word for it, hear directly from Upsiders on their experience with Up Home.
Holly + Mitchell
City: Eaton, WA
Age: 25, 28
A seamless experience.
“We refinanced to Up since we were already using them for our everyday banking and the rate was much better than our other bank... I do love having everything in one place and all our savers become offset accounts too.”
George + Vanessa
City: Sydney, NSW
Age: 38
Super easy, really smooth.
“Very straight forward. I’ve refinanced before with multiple banks and process generally take 30-60 days depending on how complex your loan is. With UP I was approved the next day after applying, documents signed and returned a week later by mail...
Rob
City: Perth, WA
Age: 30
A different experience to every other bank.
“When you consider the "packages" that you have to pay with other banks to get multiple offsets, etc it starts to work out in your favour.”
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.