RatesBoard

Up home loan rates

Ranked by advertised rate, Up's lowest advertised rate we track is 6.20% advertised (6.20% comparison) on the Up Home Variable Rate Loan - 5th of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.

Its lowest variable home loan rate we track is 6.20% advertised (6.20% comparison) on the Up Home Variable Rate Loan; its lowest fixed home loan rate we track is 6.45% advertised (6.23% comparison) on the Up Home Fixed Term Loan. Rates as at 28 Oct 2026.

We track 5 Up owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.

At the lowest advertised rate we track - 6.20% on the Up Home Variable Rate Loan - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,675 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.

Up since the 29 Sept 2026 RBA decision

The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.

Up has changed 1 variable rate in its published data since:

  1. Home Variable Rate Loan - variable with offset, 90% max LVR5.95% → 6.20%(+25 bp)matches the cash rate move

Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →

Up products (5)

ProductTypeAdvertisedComparisonMax LVRLender link
Up Home Variable Rate LoanUp
Variable6.20%6.20%90%link
Up Home Fixed Term LoanUp
Fixed 1yr6.45%6.23%—link
Up Home Fixed Term LoanUp
Fixed 2yr6.45%6.25%—link
Up Home Fixed Term LoanUp
Fixed 3yr6.55%6.30%—link
Up Home Fixed Term LoanUp
Fixed 5yr6.65%6.40%—link

Up recent rate changes

5 of Up's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.

  1. Home Variable Rate Loan - variable with offset, 90% max LVR5.95% → 6.20%(+25 bp)previous value last seen 7 Oct 2026
  2. Home Fixed Term Loan, 5-year term6.40% → 6.65%(+25 bp)previous value last seen 4 Oct 2026
  3. Home Fixed Term Loan, 3-year term6.35% → 6.55%(+20 bp)previous value last seen 4 Oct 2026
  4. Home Fixed Term Loan, 1-year term6.35% → 6.45%(+10 bp)previous value last seen 4 Oct 2026
  5. Home Fixed Term Loan, 2-year term6.40% → 6.45%(+5 bp)previous value last seen 4 Oct 2026
Up rate history
Lowest advertised rate over time, against the RBA cash rate

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