Reduce Home Loans is a multi award winning Australian Owned and Operated Home Loan Company. Since 2010 we have been passionate about helping our clients find not only the lowest Interest rates on the market but Home loans that are tailored to their individual needs. Our Home Loan range has been awarded 5 stars by Canstar and awarded Best of the Best Cheapest Home Loan 2016 and 2017 by Money Magazine.

Online Means You Save.

Reduce Home Loans is primarily online which means, fewer overheads converting directly into lower interest rates and costs for our clients. We do this while maintaining premium featured products.

Revolutionising The Australian Lending Industry.

Our client’s love saving time and money by switching to Reduce Home Loans. We have simplified the application and approval process, making it faster and easier than ever before to apply for a Home Loan.

Personal Service.

We understand that applying for a Home Loan can sometimes be quite stressful or over whelming. That’s why at Reduce Home Loans you will be assigned your own personal finance manager to guide you and be available throughout the process.

Home Owners Dream 1 Year 80%

Rate

3.99% p.a. 1 Year Fixed
4.04% p.a.* Comparison Rate

Purpose

Owner Occupied

Eligibility

Personal,Company, Unit and Discretionary Trust

Loan Amount

$50,000-$750,000

Term

Up to 30 years

Rate Options

Fixed

Ability to Split Loan

Yes

Statements

Half Yearly

Account Access

Internet & Phone transfer access to nominated account

Electronic Payments

Yes

Ability to switch loan

Yes

Portability / Transportable

Yes

Type

Principal & Interest

Frequency

Fortnightly or Monthly

Methods

Direct Debit Repayment drawn form a nominated account
Salary Credit Wages directly credited into account

Additional Repayments

Max $20,000 p.a.
Extra repayments may be made at any time without penalty
Deposit Book available
Fixed Term Break Cost upon request

Discount

You may be eligible for a discount after 5 years of good payment conduct, Speak to your credit representative for more information.

Application Fee

$440

Establishment Fee

$0

Valuation

Free Up to $440

Legal Fees

At Cost EST $330

Annual Fee

$0

Settlement fees

$130

Simply leave your details below and we will call you straight back
By leaving your details, one of our friendly lending specialists will be able to give you a buzz back to see if you're eligible for this incredible loan.

Please feel free to leave a preferred contact time or ask any questions in the comments box.

I would like to receive occasional industry updates and advice.

YES
NO

(Dont worry, we hate spam too. We wont share your details with anyone.)






awards



“You won’t get service like this from the banks! I was really impressed with the service I received and I would recommend to anyone looking for a cheap home loan.”

Sarah - productreview.com.au

“Reduce really lived up to my standards when dealing with them and am impressed at how quickly they could get my loan approved.”

Fiona - productreview.com.au

“I recently refinanced with Reduce Home Loans and they assisted me with the process perfectly. The products they offer are excellent and the rates are very competitive, in fact probably the lowest i have seen. Very pleased with Reduce.”

Adam - productreview.com.au

“I just got my loan through Reduce and I can say I would happily recommend them to anybody, Rhyse was very knowledgeable and helped guide me through everything. Thank you.”

Mozo.com.au

Financial comparison site Mozo.com.au has recognised Reduce Home Loans as one of the best value home loans in Australia in an independent analysis for its Experts Choice Home Loan Awards.“After Winning Money Magazines Best of the Best award at the beginning of the year as well as Canstar’s Five Star Home Loan awards and now Mozo’s Expert Choice awards really cements in all the hard work ...