Up Home Loan Fixed Rate

Up’s fixed home loan has the features and flexibility of a variable rate loan, and minimal fees. It's also available with a low deposit.

Up's fixed rate home loan offers the same features and flexibility of its variable rate loans, with offset accounts and extra repayments. And you can lock in your rate and forget about rate rises for a while.

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Review by


Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification.

Expert review

Up's fixed rate home loan is very similar to the bank's variable rate loan. This means you get the same flexibility to make extra repayments and save money via an offset account. Most fixed rates lack these features. Being a mobile-focused digital bank, this loan suits borrowers who prefer to manage their finances via an app. Up doesn't lend to borrowers outside capital cities and regional centres, so check your address before applying.

About this loan

What are the features and benefits of the Up Home Fixed Rate loan?

  • Loan purpose. The Up Home Fixed Rate loan is for owner-occupier borrowers. This includes new borrowers and refinancers.
  • Offset account. The loan lets you open multiple 100% offset accounts.
  • Loan-to-value ratio. You can borrow up to 90% of your property's value.
  • Loan amount. Up lets you borrow up to $10,000,000. There is a minimum loan size of $50,000.
  • No fees. Up doesn't charge any application or monthly fees. Up also covers valuation costs up to a set amount that should cover most properties.
  • Not portable. This loan is not portable, meaning you will need to apply for a new loan if selling your property and buying a new one.
  • Extra repayments and redraw. This loan lets you make extra repayments and redraw them.
  • Location. Rural borrowers may not be eligible for an Up home loan because the bank only lends to borrowers in urban centres (including major regional cities).
  • App-based banking. Up has no physical branches. You'll need to download Up's app to apply for a home loan.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to connect with Up. You need to download the Up app to get started.

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