Economizer Variable

3.07% p.a. Variable Rate
3.12%* p.a. Comparison Rate

Borrow up to 80% LVR

  • FAST Online Approval 
  • $0 monthly or annual fees!
  • Borrow up to $3.500,000
  • 100% Offset available
Find out more

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, 2020, and 2021

Funded and managed by

Get $2k up to $10k cash back!

Rate Lovers Variable loan

3.59% p.a. Variable Rate

3.67%* p.a. Comparison Rate

  • Minimum loan size for Cash Back $250,000
  • Up to 90% LVR available^
  • No ongoing fees
  • Optional 100% offset account
Cash Back Terms and Conditions

Investor Rate Slasher Cash
back also available!

Featured Home Loans

Economizer Variable

3.07%
p.a. Variable
3.12%*
p.a. Comparison
  • FAST Online Approval 
  • Up to 80% LVR
  • 100% e-offset available
  • $0 ongoing fees
MORE

Rate Cutter Cash Back

3.39%
p.a. Variable
3.47%*
p.a. Comparison
  • Borrow up to 60% LVR
  • Extra repayments
  • $0 ongoing fees
MORE

Rate Lovers Cash Back

3.59%
p.a. Variable
3.67%*
p.a. Comparison
  • $0 ongoing fees
  • Cash Back
  • 100% offset available
More

Featured Investment Loans

Investor Rate Slasher Special

3.28%
p.a. Variable
3.34%*
p.a. Comparison
  • Up to 90% LVR
  • Investment Available
  • Full redraw
  • Interest Only available

Investor Capitalizer

3.49%
p.a. Variable
3.58%*
p.a. Comparison
  • Alt Doc Available
  • 100% offset available
  • Interest Only available
MORE

Investor Rate Lovers 60 Cash Back

3.69%
p.a. Variable
3.77%*
p.a. Comparison
  • 100% offset optional
  • $0 ongoing fees
  • Cash Back up to $10k
  • Full, free redraw
More

Need An Alt-Doc Home Or Investment Loans?

Owner Occupied Capitalizer Alt-Doc

Investor Capitalizer Alt-Doc

4.69%
p.a. Variable
4.78%*
p.a. Comparison
  • Perfect for self-employed applicants
  • Interest Only available 
  • Offset account available 
  • Free electronic redraw and unlimited extra repayments
MORE
4.69%
p.a. variable
4.78%*
p.a. Comparison
  • Perfect for self-employed applicants
  • Offset account available 
  • Interest Only available 
  • Free unlimited redraw
MORE

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 2018 Best of the Best Cheapest Home Loan
Money Magazine 2017 Best of the Best Cheapest Home Loan
Money Magazine 2016 Best of the Best Cheapest Home Loan

As seen in

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.

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 size of $250,000 for cash back to apply.

cash back t's and c's

Investor Rate Lovers 60 Cash Back

3.69%p.a. Variable Rate
3.77%p.a.* Comparison
  • Investment Loan
  • Up to 60% LVR^
  • No ongoing fees
Apply for Investor Rate Lovers 60

Rate Lovers Cash Back

3.59%p.a. Variable Rate
3.67%p.a.* Comparison
  • Owner Occupied
  • Up to 90% LVR^
  • No ongoing fees
Apply for Rate Lovers

Investor Rate Lovers Cash Back

3.89%p.a. Variable Rate

3.97%p.a.* Comparison
  • Investment Loan
  • Up to 90% LVR^
  • Loan amount up to $2,500,000
Apply for INV Cash Back

Direct Intervention Scholarships

Last Christmas we did something different.

Something special for those less fortunate, outside of our “Lucky Country”.

We decided to take direct intervention into making the lives of an initial 12 of the most deserving, disadvantaged children, better not just today but long into the future. We made the choice last year to directly sponsor a number of African school children by way of a scholarship. We aim to assist these boys and girls to obtain a good education to provide for a brighter future for them and their families.

Find out more about our exciting initiative.

Find out more

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?

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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.