OnlineUp Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
20d ago
Comparison*
5.95%p.a.
Monthly repayment
$2,982
LVR —
Up Home Loan Rates
Online
Active products
6
Lowest variable
5.95%
Lowest fixed
6.35%
Lowest comparison
5.95%
Last updated
8 July 2026
Up is the digital-only banking brand owned by Bendigo Bank, originally a transactional/savings app and now offering home loans via the Up Home product. Up Home is variable-only, has 100% offset, and is delivered entirely through the Up app, no calls, no PDFs.
What is the lowest Up home loan rate?
The lowest Up variable home loan rate Ratesniffers tracks is 5.95% p.a., and the lowest fixed rate is 6.35% p.a. These figures come from the 6 Up products on this page, ranked by comparison rate, last verified 8 July 2026.
How many home loan products does Up offer?
Ratesniffers currently tracks 6 Up home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Up home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 5.95% p.a. | 5.95% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.35% p.a. | 5.99% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.35% p.a. | 6.06% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.40% p.a. | 6.04% p.a. | 100% |
| Fixed 4-year Owner-occupier P&I | 6.40% p.a. | 6.11% p.a. | 100% |
| Fixed 5-year Owner-occupier P&I | 6.40% p.a. | 6.15% p.a. | 100% |
6 Up home loan products
OnlineOnlineUp Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.35%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,111
LVR —
OnlineUp Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.35%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,111
LVR —
OnlineUp Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.40%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,128
LVR —
OnlineUp Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.40%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,128
LVR —
OnlineUp Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.40%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,128
LVR —
Negotiate Up rates with a broker
Advertised rates aren't always the rate Up actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Up?
Up is Australia's first homegrown digital bank, launched in 2018 as a joint venture between Ferocia and Bendigo Bank, which took full ownership in 2021. It has grown past one million customers, with an app-first experience that regularly tops banking-app rankings.
Its home-loan offering, Up Home, runs on Bendigo Bank's licence and balance sheet, with the application and management experience living entirely in the Up app.
Who suits a Up home loan?
Up tends to suit younger, app-native borrowers who want the smoothest digital experience in Australian banking, backed by Bendigo Bank's licence. Its product range is deliberately simple, so borrowers needing complex structures should look elsewhere, and everyone should compare its rates against the table above before committing.
Background facts checked 21 July 2026. Rates above refresh independently.
Up home loans: frequently asked questions
What is the lowest Up home loan rate?
Up's lowest variable home loan rate is currently 5.95% p.a., and its lowest fixed rate is 6.35% p.a., based on the 6 Up products Ratesniffers ranks by comparison rate, last verified 8 July 2026. The advertised rate isn't always the rate Up approves, a broker can often negotiate a sharper deal on your scenario.
How does Up's home loan rate compare to the market?
Up's lowest variable home loan rate today is 5.95% p.a., which is 14 basis points below the market median of 6.09% p.a., which puts Up among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Up sits right now rather than a fixed snapshot.
How many home loan products does Up offer?
Ratesniffers currently tracks 6 Up home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Up competitive for refinancing?
It depends on your loan size and LVR. Up's lowest comparison rate is currently 5.95% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Up against the sharpest available rate usually pays off.
How often are Up's home loan rates updated?
Ratesniffers last verified Up's home loan rates on 8 July 2026. Rates can change whenever Up reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.
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Mortgage guides and market context
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