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 2 Year Fixed 80%


3.89% p.a. 2 Year Fixed
3.62% p.a.* Comparison Rate


Owner Occupied


Personal,Company, Unit and Discretionary Trust

Loan Amount



Up to 30 years

Rate Options


Ability to Split Loan



Half Yearly

Account Access

Internet & Phone transfer access to nominated account

Electronic Payments


Ability to switch loan


Portability / Transportable



Principal & Interest


Fortnightly or Monthly


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


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

Application Fee


Establishment Fee



Free Up to $440

Legal Fees

At Cost EST $330

Annual Fee


Settlement fees


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“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 -

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

Fiona -

“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 -

“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.”

Financial comparison site 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 ...