Rates as hot as

2.29% p.a. Variable

2.32% p.a. Comparison* (1)

Apply Now
Leave your details and one of our Personal Finance Managers will contact you within one business day.

Your preferred contact time^




THE HOME OF AUSTRALIA’S CHEAPEST HOME LOAN^

Welcome to Reduce Home Loans. Awarded Australia’s Cheapest Home Loan by Money magazine 2016, 2017, 2018, 2019 and 2020.

Funded and managed by
Money Magazine Best of the Best Cheapest Flexible Loan 2020

Low Rider Home Loan

2.29% p.a. Variable Rate

2.32%* p.a. Comparison Rate (1)

  • Owner Occupied
  • Up to 70% LVR
  • Full, free redraw facility
Apply for Low Rider

Rate Buster Owner Occ

2.45%
p.a. Variable
2.45%*
p.a. Comparison (2)
  • Up to 90% incl LMI
  • Full, free redraw
  • 100% Offset available
More

3 Year Fixed Owner Occ

2.19%
p.a. Fixed 3 years
2.54%*
p.a. Comparison (9)
  • Up to 90% LVR incl LMI
  • Optional offset account
  • Loan splits available
MORE

Investor Rate Slasher

2.79%
p.a. Variable
2.79%*
p.a. Comparison (7)
  • Full redraw facility
  • 100% offset available
  • Loan splits available
MORE

Cash Back is here!

Have your cake and eat it too with a great rate home loan and $2,000 up to $10,000 cash back.

A loan with the flexibility of extra repayments, redraw and 100% offset available, it just makes sense. 

Minimum loan sizes apply for cash back offer.

cash back t's and c's

Cash Back Hero Variable

2.59%p.a. Variable Rate
2.59%p.a.* (20)Comparison Rate
Apply now

Our range of home loans covers Owner Occupiers, Investors, and home owners looking to build a house.

Who are we? You can always find out more about us, or how we hold such competitive rates

Money Magazine Best of the Best Cheapest Flexible Loan 2020
Money Magazine 2019 Best of the Best Cheapest Home Loan
Money Magazine 2019 Best of the Best Cheapest Home Loan
Money Magazine 2018 Best of the Best Cheapest Home Loan
Money Magazine 2017 Best of the Best Cheapest Home Loan

Find the Cheapest Home Loan that’s perfect for you

No matter what stage of the home loan journey you’re at, we’re here to help you find a great rate across variable, fixed or a mix of both.

Our home loan range also offer great features and flexibility, so you can apply with confidence.

Loan calculators and finance calculators

Crunch the Numbers

We’ve got a number of home loan and finance calculators available for you to easily crunch those hefty numbers. Give it a try!

Calculators

Compare our Different Loan Products

Not sure which loan product is right for you? Simply compare each of our home loan rates and features side-by-side easily.

Compare Fixed and Variable Owner Occupied and Investment loans

Go and compare

Looking for a home loan?

Apply Now
Leave your details and one of our Personal Finance Managers will contact you within one business day.

Your preferred contact time^




Settled a home loan with us?

We’d love to hear from you.

We’re trying to improve our services every day, but we need your help. Help us help others by placing your own review below!

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Important information regarding Reduce Home Loans operations.

Inline with the Australian government advice and actions to contain the spread of COVID-19, we have implemented wherever possible a work from home policy.

The well being of our staff and customers is our top priority so we encourage you to not visit our offices until further notice, however, rest assured it is business as usual, and your loan application will not be affected during this time.

If you have any questions, please email info@reduceloans.com.au or speak with your personal finance manager directly.