Basic Home Loan Variable
Owner Occupied Home Loan
5.89% p.a. Variable
5.91% p.a. Comparison*
Borrow up to 80% LVR*
- $0 monthly or annual fees!
- Borrow up to $3,500,000
- Unlimited extra repayments
Kurt was excellent to deal with. Great customer service, very helpful and experienced. One of the best rates on the market.
Exceptional customer service provided by Nick Freney in assisting us to navigate three separate loans. Wouldn’t hesitate in strongly recommending him to other prospect customers.
Just settled on my refinance with Vaughan at Reduce Home Loans. He made the process super easy and efficient. Was also great to be informed regularly throughout the entire process to put my mind at ease.Thanks 👍
We have been with Reduce Home Loans since 2015 and they've consistently secured the best rates and account features for us. This month we refinanced to a very competitive rate thanks to our Personal Finance Manager Connor.Connor provided us with helpful guidance and thoroughly answered all our questions. Everything was completed promptly and he was so responsive with our queries. The application process has also become much more streamlined and user friendly over the years.Thanks to Connor (and previously Rhyse) at Reduce Home Loans, we've been able to achieve our dream of having a home for our family. We highly recommend them for their personalised, exceptional service and expertise, as well as their broad product offering. Thanks again!
I have used Reduce Home Loans recently. I have dealt with Vaughan from Reduce Home Loans. I find Vaughan very helpful and easy to approach. I think they have great knowledge and great interest rates options and cash back offers. I will recommend to seek their advice for new home loans. Thanks, Dev
Kurt was phenomenal, very knowledgable, patient and communicative across the entire process. Can't recommend them highly enough.
Vaughan Enright has been an absolute pleasure to deal with. He is always extremely responsive and helpful, listens to my needs, and has been working with me to get the best he can. He has been reliable, getting back to me quickly, calling when he says he will (great timekeeper). Very happy with the experience as I initially called 3 or 4 months ago, he has been very informative from tyre kicking/semi serious stage to now at crunch time. Definitely recommend working with him.
I have used Reduce Home loans several times to refinance our loan. I cannot recommend them highly enough. They are extremely knowledgeable and have access to highly competetive interest rates. Their communication throughout the loan application process is excellent and it is very easy to get in touch with them when you need to. Definitely use Reduce!
Nick and the team never fail to impress and always achieve better than expected results. With a great network of lenders and products they always manage to deliver, keeping you well informed along the journey. Always know I am in capable hands and a achieving the best of what's out there.I cannot recommend Reduce highly enough. 11 out of 10! Keep up the good worm 👍
Prompt customer service and staightforward process. Access to great rates. Clear communication. Loan settled without problems and would definitely use them again.
We have been working with Reduce Home Loans for a few years now. We have done some refinancing of home loans and have applied for new home loans with Reduce Home Loans. Each and every time we managed to get some awesome deals, lowest variable rates available on the market. I highly recommend Reduce Home Loans. We will definitely use them again in future!!
Nick Freney, from reduced home loans, was fantastic. He made the whole process of refinancing my house loan, hassle free and also got me a great interest rate. I can't recommend Nick and his team highly enough.
Reduce were very easy to work with, and they got us the lowest variable rate on the market - which is saving us thousands each year.Highly recommend. We'll definitely go with them again in the future.
Overall, we are happy with our experience at Reduce. We moved from another non-bank lender, who wouldn't move our rate, despite their new owner rates being much lower, and our loans under what we originally borrowed. Nick and the team from Reduce were very easy to deal with, and our rate has been competitive since we started with them.
Just refinanced with Reduce Home Loans. Better interest rates, staff have been nothing but helpful and easy process. Can't ask for more!
I had a fantastic experience dealing with Reduce Home Loans who provided finance for my SMSF to purchase an investment property in July 22. I was particularly impressed with Bryce Stimpson's helpfulness, knowledge, responsiveness, professionalism and pleasantness. I received an excellent rate and am happy I went with Reduce.
Using reduce loans has saved me a lot of money on our home loan. The staff are professional and caring, always easy to get in contact with and there to help with any questions you. The switch from one of the big 4 banks (wont name names of who was ripping us off!) was easy with reduce loans. I highly recommend anyone to get in contact and see how many money they can save you.
Reduce Loans were able to find us a much better home loan rate. The process was so easy and we were walked through every step. Everything was done online and the whole process was handled quickly. I would highly recommend working with Reduce Loans.
We secured a great loan with Reduce far below market rates of the large lenders. Was particularly impressed by their flexible banking style in setting up the loan and Nick Freeney was great to work with in the loan application. The only issue is the application process was longer and more admin intensive than some other loans so removing one star - but if you stick with it you can save a bunch over the life of the loan.
Get $2k up to $10k cash back!
Rate Lovers Variable loan
6.29% p.a. Variable Rate
6.36%* p.a. Comparison Rate
- Minimum loan size for Cash Back $250,000
- Up to 90% LVR available^
- No ongoing fees
- Optional 100% offset account
Investor Rate Slasher Cash
back also available!
6.69% p.a. Variable Rate
6.76%* p.a. Comparison Rate
Featured Home Loans
Basic Home Loan Variable
5.89%
p.a. Variable
5.91%*
p.a. Comparison
- Borrow up to $3,500,000
- Up to 80% LVR*
- $0 ongoing fees
Capitalizer Variable
6.34%
p.a. Variable
6.38%*
p.a. Comparison
- Interest only available for owner occupied
- Up to 80% LVR
- 100% e-offset
Economizer Variable 80
6.24%
p.a. Variable
6.30%*
p.a. Comparison
- FAST Online Approval
- Up to 80% LVR
- 100% offset available
- $0 ongoing fees
Featured Investment Loans
Investor Rate Slasher Special
6.54%
p.a. Variable
6.60%*
p.a. Comparison
- Up to 90% LVR
- Investment Available
- Full redraw
- Interest Only available
Investor Rate Lovers 60
6.49%
p.a. Variable
6.56%*
p.a. Comparison
- Cash Back
- Offset available
- Interest Only available
Investor Capitalizer Variable
6.49%
p.a. Variable
6.56%*
p.a. Comparison
- Alt Doc Available
- 100% e-offset
- Interest Only available
Need An Alt-Doc Home Loan?
Owner Occupied Capitalizer Alt-Doc
6.99%
p.a. Variable
7.06%*
p.a. Comparison
- Perfect for self-employed applicants
- Interest Only available
- Offset account available
- Free electronic redraw and unlimited extra repayments
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.
Why choose Reduce?
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'sInvestor Rate Lovers 60 Cash Back
6.49%p.a. Variable Rate
6.56%p.a.* Comparison
- Investment Loan
- Up to 60% LVR^
- No ongoing fees
Rate Lovers Cash Back
6.29%p.a. Variable Rate
6.36%p.a.* Comparison
- Owner Occupied
- Up to 90% LVR^
- No ongoing fees
Investor Rate Lovers Cash Back
6.79%p.a. Variable Rate
6.86%p.a.* Comparison
- Investment Loan
- Up to 90% LVR^
- Loan amount up to $2,500,000
HOME LOAN NEWS, TIPS AND HELP GUIDES
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!
CalculatorsCompare 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
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