Super Saver hit a new low!

  • Up to 60% LVR
  • $0 monthly fees!
  • Unlimited electronic redraw
  • Flexible repayment options!
Find out more
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, 2020, and 2021

    Funded and managed by

    Get $3k up to $10k cash back!

    On the Cash Back Hero home loan

    2.59% p.a. Variable Rate

    2.64%* p.a. Comparison Rate

    • Borrow up to $1,000,000
    • Up to 90% LVR available
    • Unlimited extra repayments
    • Free electronic redraw
    • Optional 100% offset account
    Cash Back Terms and Conditions

    Featured Home Loans

    Rate Cutter Variable

    1.79%
    p.a. Variable
    1.88%*
    p.a. Comparison
    • Borrow up to 60% LVR
    • Extra repayments
    • $0 ongoing fees
    MORE

    Rate Lovers Variable

    2.29%
    p.a. Variable
    2.36%*
    p.a. Comparison
    • $0 ongoing fees
    • Borrow up to 90% LVR
    • 100% offset available
    More

    Super Saver Cash Back

    2.29%
    p.a. Variable
    2.36%*
    p.a. Comparison
    • $1,000 – $2,000 Cash Back
    • 100% offset available
    • $0 ongoing fees
    MORE

    Featured Investment Loans

    Investor Rate Cutter

    2.29%
    p.a. Variable
    2.38%*
    p.a. Comparison
    • Borrow up to 80% LVR
    • Flexible repayments
    • Free electronic redraw
    MORE

    Investor Rate Lovers

    2.39%
    p.a. Variable
    2.46%*
    p.a. Comparison
    • 100% offset optional
    • $0 monthly fees
    • $0 annual fees
    • Full, free redraw
    More

    Inv Cash Back Hero

    2.59%
    p.a. Variable
    2.64%*
    p.a. Comparison
    • $3,000 – $10,000 Cash Back
    • 100% offset available
    • $0 annual fees
    • Interest Only available
    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 $1,000 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

    Low Rider Cash Back 60

    2.09%p.a. Variable Rate
    2.18%p.a.* Comparison
    • Owner Occupied
    • Up to 60% LVR
    • Loan amount up to $1,000,000
    Apply for Low Rider Cash Back

    Super Saver Cash Back

    2.29%p.a. Variable Rate
    2.36%p.a.* Comparison
    • Owner Occupied
    • up to 80% LVR
    • Loan amount up to $1,000,000
    Apply for Super Saver

    Investor Cash Back Hero

    2.59%p.a. Variable Rate
    2.64%p.a.* Comparison
    • Investment Loan
    • up to 80% LVR
    • Loan amount up to $3,500,000
    Apply for INV Cash Back hero

    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?

    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!

      Review Us

      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.