A great rate with the smartest home loan to date.

A great rate makes for an easy choice. Get set up with Up Home and control the life of your loan with our powerful auto-saving features and system-wide integration. Experience our award‑winning home loan today.

relax with cash

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.

easy auto saving

Auto-Saving Integration.

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

digital application

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.

A first-class experience.

Winner of the 2024 Mozo Expert Choice Award for the best ‘offset home loan’ on the market.

Mozo Experts Choice Award 2024: Offset Home Loan Winner

Upgrade your Home Loan

If you're not an Upsider yet, you'll need to join first.

Chat to our local Up Home Guides in-app via Talk to Us. They're real people, available Monday to Friday, 9am–5pm AEST/AEDT. If you'd prefer to chat by phone, call us on 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 support The GO Foundation

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.