Oct 14, 2026
Own the Equity, Keep the Postcode — Up launches Up Home: Invest, a simpler way for everyday Aussies to start investing in property
Leading digital bank, Up, has today announced the launch of Up Home: Invest — a loan product designed to simplify investment lending for a new generation of Aussie borrowers.
With property prices in capital cities remaining elevated and rental markets tighter than ever, for many the great ‘Australian Dream’ of buying and living in their own home is rapidly changing. In response, a growing number of Australians are turning to ‘rentvesting’ — a property strategy where people rent the home they live in while owning an investment property in a more affordable location.
“The reality is a lot of people can’t afford to buy where they live and are exploring alternate pathways into home ownership”, said Xavier Shay, CEO at Up.
“Up Home: Invest is designed for people, not portfolios, helping young Aussies to build equity without compromising on lifestyle or location.”
Internal data showed first-home buyer rentvestor demand doubled in the past five years — a shift largely driven by Gen Z and Millennials, who make up 90% of Up Home customers. Despite this growing trend, many traditional lenders are still not meeting the needs of younger borrowers, often requiring them to navigate complex application processes on their own.
Up Home helps simplify that journey by bringing together borrowing power tools, educational resources, guidance and investment lending in one connected experience.
Combining clear information, practical support and a digital-first application process, Up Home: Invest helps customers explore their options, understand what may be within reach and take their first steps into property ownership.
Rather than a bolt-on product, Up Home: Invest is built directly into the wider Up ecosystem, meaning customers can manage their loan, rental income, and day-to-day expenses in one centralised space.
- Maximum offset power: up to 50 eligible Savers automatically become free offsets, regardless of whether the loan is Variable or Fixed.
- Round Ups: Up can automatically round up your purchases and put the change directly into an offset Saver, reducing loan interest effortlessly.
- Keep the cash flowing: Essentials separates bills from spending money, keeping recurring property expenses - like council rates, insurance, and strata - organised so investors stay on top of their cash flow while paying off their loan.
- Built for co-investing: with 2Up, Upsiders can set up joint savings accounts alongside their joint spending accounts, helping them to start saving for big ticket items - like a home deposit - earlier in their relationship.
This deep integration with the rest of Up gives everyday investors the flexibility to manage their money their way, with the peace of mind that every dollar across their eligible spending and saving accounts is working to reduce their interest.
“Just like Up Home, we’re turning an intimidating process into something simple and supported, giving first-time buyers the tools and guidance they need”, says Shay.
“By making investment lending easier to understand and increasing accessibility, we’re supporting more customers to achieve their dream of owning a home, whether it’s the one they live in or not.”
With no application, monthly, annual or redraw fees, Up home loans are simple, transparent, and negotiation-free, meaning everyday borrowers don't have to haggle to get a fair deal.
To learn more, visit up.com.au/home-loans/ or download the app via the App Store or Google Play.
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