Up · Home loans
Up Home Loan
Up Home Loan is a home loan. The figures are the ones Up publishes under the Consumer Data Right today. The advertised rate last moved on 8 October 2026, up from 5.95% to 6.20%.
Advertised rate
6.20%
headline tier
Comparison rate
6.20%
as published
Last moved
+0.25pp
8 October 2026
Advertised rate, last 30 days. Between 5.95% and 6.20% over the last 30 days.
Every current rate (12)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 6.20% | 6.20% |
| Variable, Investor, P&I | 6.35% | 6.35% |
| Fixed 1 year, Owner occupier, P&I | 6.45% | 6.23% |
| Fixed 2 years, Owner occupier, P&I | 6.45% | 6.25% |
| Fixed 3 years, Owner occupier, P&I | 6.55% | 6.30% |
| Fixed 1 year, Investor, P&I | 6.60% | 6.38% |
| Fixed 2 years, Investor, P&I | 6.60% | 6.40% |
| Fixed 4 years, Owner occupier, P&I | 6.65% | 6.36% |
| Fixed 5 years, Owner occupier, P&I | 6.65% | 6.40% |
| Fixed 3 years, Investor, P&I | 6.70% | 6.45% |
| Fixed 4 years, Investor, P&I | 6.80% | 6.52% |
| Fixed 5 years, Investor, P&I | 6.80% | 6.55% |
Rate moves, last 30 days
- 8 October 2026: Variable, Owner occupier, P&I lifted 0.25pp, from 5.95% to 6.20%.
- 5 October 2026: Fixed 2 years, Owner occupier, P&I lifted 0.05pp, from 6.40% to 6.45%.
- 5 October 2026: Fixed 1 year, Owner occupier, P&I lifted 0.10pp, from 6.35% to 6.45%.
- 5 October 2026: Fixed 3 years, Owner occupier, P&I lifted 0.20pp, from 6.35% to 6.55%.
- 5 October 2026: Fixed 4 years, Owner occupier, P&I lifted 0.25pp, from 6.40% to 6.65%.
- 5 October 2026: Fixed 5 years, Owner occupier, P&I lifted 0.25pp, from 6.40% to 6.65%.
Published fees
| Fee | Amount |
|---|---|
| Bank Cheque Feewhen it happens | $12.75 |
Get an email the morning Up moves this rate.
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