RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Billions Capital
Home Loan Variable: 5.80% (5.85%*) • Home Loan Fixed: 6.04% (6.83%*) • Fixed: 6.04% (6.83%*) • Variable: 5.80% (5.85%*) • Investment IO: 6.19% (6.22%*) • Investment PI: 6.04% (5.95%*)

  Up Home Loan

Up Home is a simple loan that works seamlessly with your Up banking. Starting from 10% LVR, it’s first time owner friendly too. Use the Up features you love to own your own home faster.
Category: Home Loans  Last Updated June 3, 2026  Effective March 16, 2022

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Variable rate
Interest Rate
5.95% PA
Comparison Rate
5.95%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions.

Product Features

  • Digital Banking Additional Information: Apply for and manage your Up Home loan online through Up’s mobile banking application.
  • Extra Repayments Additional Information: For fixed rate loans, extra repayments are allowed up to $30,000 in total during the fixed rate period. Extra repayments above this limit may incur a prepayment fee. For variable rate loans, extra repayments are unlimited.
  • Offset Additional Information: Use your Up spending account and Savers as offsets.
  • Redraw Additional Information: Redraws are limited to the total amount prepaid, less one repayment. Other conditions may apply as per Loan Schedule and Home Loan Booklet.

Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Resident.
  • Other - Credit And Lending Criteria Apply.

Bank Fees and Charges

  • Bank Cheque Fee (Event), Amount: 12.75.

 Limitations & Restrictions (Constraints)

  • Max Lvr of 0.90 Additional Information: A maximum 90% Loan to Value Ratio applies. A minimum 10% deposit is required.
  • Max Limit of 7500000.00 Additional Information: A maximum borrowable amount for the loan.
  • Min Limit of 50000.00 Additional Information: A minimum borrowable amount for the loan.

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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Home Loan Variable: 5.80% (5.85%*) • Home Loan Fixed: 6.04% (6.83%*) • Fixed: 6.04% (6.83%*) • Variable: 5.80% (5.85%*) • Investment IO: 6.19% (6.22%*) • Investment PI: 6.04% (5.95%*)
748B Pennant Hills Rd Carlingford NSW 2118
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval, and those rates and products shown will not necessarily be suitable or available. Full terms and conditions will be included in our loan offer. Fees and charges may be payable. Interest rates are subject to change. Some offers and cashbacks do not apply to internal refinances and are only available from certain lenders with qualifying criteria. The information provided on this website (or in any related materials, communications, or tools) is of a general nature only and does not take into account your personal objectives, financial situation, or needs. While we aim to provide helpful and accurate information, it should not be considered financial advice or a substitute for professional consultation. We recommend that you seek personalised advice before making any financial or lending decisions. Please contact us to discuss your specific circumstances and goals. The information provided in our posts, videos, comments, and shared content is for general information purposes only and does not constitute personal financial advice. All views expressed are our own and do not necessarily reflect those of our aggregator, lender partners, or any associated entities. Any examples or scenarios used are illustrative only. Any testimonials or reviews are individual experiences and do not guarantee future outcomes. Social Disclaimer. This page/advertisement is not affiliated with, endorsed by, or sponsored by Facebook®, Meta®, Instagram®, LinkedIn®, YouTube®, Google®, or any of their associated companies. Facebook® and Instagram® are trademarks of Meta Platforms, Inc. LinkedIn® is a trademark of LinkedIn Corporation. YouTube® and Google® are trademarks of Google LLC.

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