Upward — Build With Your Rent

The problem

You've paid millions in rent. Now make it count.

Rent is one of the biggest financial commitments most people make, yet good rental behaviour often disappears when they move. Upward helps turn that history into something you can use.

Rent is expensive

You pay consistently, but rarely receive financial benefits for being a good renter.

Your rental history disappears

Years of paying rent and caring for a home are difficult to verify outside your immediate landlord relationship.

Home ownership feels further away

Your rent currently does little to help you access better housing finance.

How Upward works

Every rent payment builds your Upward profile.

Your rental behaviour becomes verified, portable reputation — and that reputation can unlock better housing opportunities.

Pay Rent

Your rent payments and rental behaviour are recorded, automatically.

Build Your Rent Passport & Score

Your rental history becomes verified and portable reputation you carry with you.

Unlock Better Opportunities

Use your profile to access rewards, financing, better rental terms and mortgage opportunities.

The Upward advantage

A stronger rental reputation unlocks more.

Rewards

Cashback on every payment

Earn cashback and other benefits on qualifying rent payments — no waiting for a milestone, it starts now.

Financing

Access rent financing

Use your Upward profile to access more flexible ways to meet rent obligations as you qualify.

Moving

Move with less friction

A strong rental profile can help you qualify for lower-deposit or improved rental terms where available.

Reputation

Let your history speak

Build a verified record of payment consistency and responsible rental behaviour that travels with you.

Mortgage access

Your rent history could help you qualify for a better mortgage.

If you've consistently paid rent, that history should count. Upward is working with mortgage institutions to help renters use verified rental behaviour to access better mortgage opportunities, including single-digit-rate options where available.

Rent → verified history → mortgage opportunity

Give participating mortgage partners better evidence of your payment behaviour and ability to handle long-term housing payments.

Rent Passport → Verified history → Better mortgage options

A separate ownership pathway

What if part of your rent could build toward your future?

Rental Equity is a separate Upward proposition: participating landlords can commit a portion of rent toward a tenant's future financial goals, creating another bridge between renting and ownership.

Landlord contribution → Tenant equity → Future goal

Your questions, answered

Simple, transparent, and built around your rent.

What is Upward?

Upward turns rent payments and rental behaviour into verified rental history, an Upward Score, and access to rewards, savings tools and housing finance opportunities.

Does my landlord need to be on Upward?

You can build payment consistency history even if your landlord isn't registered. Some property-care information may require landlord verification.

Is Upward free?

Creating an account and starting to build your Upward Score is free. Specific financial products may have their own terms.

How can this help with a mortgage?

Upward creates a certified rental history that can help participating mortgage institutions better understand your payment behaviour and housing affordability.

Is my data secure?

Upward is designed to protect the financial and rental information you choose to share, and to use it only for the services you authorise.

Start today