{
  "brand": "Up",
  "brand_label": "Up",
  "brand_slug": "up",
  "legal_entity_abn": "11068049178",
  "public_base_uri": "https://api.up.com.au",
  "logo_uri": "https://up.com.au/assets/images/logo_1000x1000.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T13:00:13Z",
  "at_a_glance": {
    "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.",
    "rates": [
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.45,"comparison_rate_pct":6.45,"comparison_rate_at_600000_pct":6.45,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.45,"comparison_rate_pct":6.45,"comparison_rate_at_600000_pct":6.45,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.45,"comparison_rate_pct":6.45,"comparison_rate_at_600000_pct":6.45,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.55,"comparison_rate_pct":6.48,"comparison_rate_at_600000_pct":6.48,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_4","rate_pct":6.65,"comparison_rate_pct":6.52,"comparison_rate_at_600000_pct":6.52,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":6.65,"comparison_rate_pct":6.53,"comparison_rate_at_600000_pct":6.54,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"variable","rate_pct":6.6,"comparison_rate_pct":6.6,"comparison_rate_at_600000_pct":6.6,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.6,"comparison_rate_pct":6.6,"comparison_rate_at_600000_pct":6.6,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.6,"comparison_rate_pct":6.6,"comparison_rate_at_600000_pct":6.6,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.7,"comparison_rate_pct":6.63,"comparison_rate_at_600000_pct":6.63,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_4","rate_pct":6.8,"comparison_rate_pct":6.67,"comparison_rate_at_600000_pct":6.67,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":6.8,"comparison_rate_pct":6.69,"comparison_rate_at_600000_pct":6.69,"product_label":"Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":7500000,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ]
    },
    "unranked": {
      "rows": 0
    }
  },
  "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages",
  "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "product_url_source": "feed",
      "terms_url": "https://up.com.au/product-terms/",
      "terms_url_source": "feed",
      "description": "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.",
      "offset": true,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "fees": [
        {
          "name": "Bank Cheque Fee",
          "fee_type": "EVENT",
          "amount": 12.75,
          "frequency": null,
          "info": null
        }
      ],
      "fees_as_published": null,
      "max_lvr": 90.0,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "eligibility": null,
      "discounts": [],
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
      "snapshot_at": "2026-11-13T01:23:35Z",
      "bank_last_updated": "2026-11-12T00:00:13+11:00",
      "correction": null,
      "row_count": 12,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ]
    }
  ],
  "rows": [
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "terms_url": "https://up.com.au/product-terms/",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.066,
      "rate_pct": 6.6,
      "comparison_rate": 0.066,
      "comparison_rate_pct": 6.6,
      "lvr_min": 0.0,
      "lvr_max": 90.0,
      "lvr_source": "product",
      "loan_min": 50000.0,
      "loan_max": 7500000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "revert_rate": null,
      "revert_rate_basis": null,
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.6,
        "bank": 6.6
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ],
      "additional_info": "Variable rate",
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
      "bank_last_updated": "2026-11-12T00:00:13+11:00"
    },
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "terms_url": "https://up.com.au/product-terms/",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 12,
      "kind": "fixed_1",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.066,
      "rate_pct": 6.6,
      "comparison_rate": 0.066,
      "comparison_rate_pct": 6.6,
      "lvr_min": 0.0,
      "lvr_max": 90.0,
      "lvr_source": "product",
      "loan_min": 50000.0,
      "loan_max": 7500000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "revert_rate": 0.066,
      "revert_rate_basis": "inferred",
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.6,
        "bank": 6.6
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ],
      "additional_info": "Fixed for 1 year",
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
      "bank_last_updated": "2026-11-12T00:00:13+11:00"
    },
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "terms_url": "https://up.com.au/product-terms/",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 24,
      "kind": "fixed_2",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.066,
      "rate_pct": 6.6,
      "comparison_rate": 0.066,
      "comparison_rate_pct": 6.6,
      "lvr_min": 0.0,
      "lvr_max": 90.0,
      "lvr_source": "product",
      "loan_min": 50000.0,
      "loan_max": 7500000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "revert_rate": 0.066,
      "revert_rate_basis": "inferred",
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.6,
        "bank": 6.6
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ],
      "additional_info": "Fixed for 2 years",
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
      "bank_last_updated": "2026-11-12T00:00:13+11:00"
    },
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "terms_url": "https://up.com.au/product-terms/",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 36,
      "kind": "fixed_3",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.067,
      "rate_pct": 6.7,
      "comparison_rate": 0.0663,
      "comparison_rate_pct": 6.63,
      "lvr_min": 0.0,
      "lvr_max": 90.0,
      "lvr_source": "product",
      "loan_min": 50000.0,
      "loan_max": 7500000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "revert_rate": 0.066,
      "revert_rate_basis": "inferred",
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.63,
        "bank": 6.63
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ],
      "additional_info": "Fixed for 3 years",
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
      "bank_last_updated": "2026-11-12T00:00:13+11:00"
    },
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "terms_url": "https://up.com.au/product-terms/",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 48,
      "kind": "fixed_4",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.068,
      "rate_pct": 6.8,
      "comparison_rate": 0.0667,
      "comparison_rate_pct": 6.67,
      "lvr_min": 0.0,
      "lvr_max": 90.0,
      "lvr_source": "product",
      "loan_min": 50000.0,
      "loan_max": 7500000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "revert_rate": 0.066,
      "revert_rate_basis": "inferred",
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.67,
        "bank": 6.67
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ],
      "additional_info": "Fixed for 4 years",
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
      "bank_last_updated": "2026-11-12T00:00:13+11:00"
    },
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "terms_url": "https://up.com.au/product-terms/",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 60,
      "kind": "fixed_5",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.068,
      "rate_pct": 6.8,
      "comparison_rate": 0.0669,
      "comparison_rate_pct": 6.69,
      "lvr_min": 0.0,
      "lvr_max": 90.0,
      "lvr_source": "product",
      "loan_min": 50000.0,
      "loan_max": 7500000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "revert_rate": 0.066,
      "revert_rate_basis": "inferred",
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.69,
        "bank": 6.69
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ],
      "additional_info": "Fixed for 5 years",
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
      "bank_last_updated": "2026-11-12T00:00:13+11:00"
    },
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-home",
      "product_name": "Up Home Loan",
      "product_label": "Home Loan",
      "product_url": "https://up.com.au/home-loans",
      "terms_url": "https://up.com.au/product-terms/",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "purpose": "owner_occupied",
      "repayment": "principal_and_interest",
      "rate": 0.0645,
      "rate_pct": 6.45,
      "comparison_rate": 0.0645,
      "comparison_rate_pct": 6.45,
      "lvr_min": 0.0,
      "lvr_max": 90.0,
      "lvr_source": "product",
      "loan_min": 50000.0,
      "loan_max": 7500000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": null,
      "revert_rate": null,
      "revert_rate_basis": null,
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.45,
        "bank": 6.45
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Up to 50 Savers act as free 100% offset accounts",
        "Extra repayments on fixed rate loans limited to $30,000",
        "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on",
        "For Up customers; applied for and managed in the Up app"
      ],
      "additional_info": "Variable rate",
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      "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json",
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