Reduce Home Loans where reducing rates is just the start.

Reduce Home Loans is a multi-award winning Australian owned and operated home loan provider. Since 2010, we have been passionate about helping our customers find not only the lowest Interest rates, but loans with all the bells and whistles we know they want and need. Our home loan range has been awarded the following:

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. Nobody fights harder for the best deal and lowest rates than Reduce, and this absolute commitment is evident in our jaw-dropping suite of solutions. Our rates are not only incredibly low, we can provide loans for investment, residential property, construction or consolidation of debt. Even if you don’t fit the Banks prescriptive profile, we are still committed to helping you achieve your goals.

Rate Lovers Variable Home Loan

Limited Time Offer

3.39% p.a. Variable
3.39% p.a.* Comparison Rate


Owner Occupied


Personal,Company, Unit and Discretionary Trust

Loan Amount


Rate Based on

80% LVR for Purchases Owner Occupied
80% LVR for Refinance Owner Occupied


Up to 30 years

Rate Options


Multiple Accounts

Loan splits available


Half Yearly

Redraw Facility

Yes! no minimum via internet

Account Access

Internet & Phone transfer access to nominated account


Principal & Interest


Weekly, Fortnightly or Monthly


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

Additional Repayments

Extra repayments may be made at any time without penalty
Deposit Book available

Servicing Requirements

The Rate Lovers Special is subject to special lending servicing requirements. Please speak your personal finance manager for more details.


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

Application Fee


Funders Processing Fee




Legal Fees

$330 Plus disbursements

Annual Fee


Settlement fees


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