Borrow up to 80% LVR
- $0 ongoing fees!
- Unlimited electronic redraw
- Flexible repayment options!
Get $2k up to $10k cash back!
On the Rate Cutter Cash Back loan
2.09% p.a. Variable Rate
2.18%* p.a. Comparison Rate
- Minimum loan size for Cash Back $250,000
- Up to 70% LVR available^
- No ongoing fees
- Optional 100% offset account
Investor Rate Slasher Cash
back also available!
Featured Home Loans
Rate Cutter Cash Back
2.09%
p.a. Variable
2.18%*
p.a. Comparison
- Borrow up to 60% LVR
- Extra repayments
- Cash Back
Rate Lovers Cash Back
2.29%
p.a. Variable
2.38%*
p.a. Comparison
- $0 ongoing fees
- Cash Back
- 100% offset available
Capitalizer Variable
2.19%
p.a. Variable
2.28%*
p.a. Comparison
- Full or alt doc available
- 100% e-offset available
- $0 ongoing fees
Featured Investment Loans
Investor Rate Cutter
2.09%
p.a. Variable
2.18%*
p.a. Comparison
- Borrow up to 80% LVR
- Flexible repayments
- Free electronic redraw
Investor Rate Lovers Cash Back
2.49%
p.a. Variable
2.56%*
p.a. Comparison
- 100% offset optional
- $0 ongoing fees
- Cash Back up to $10k
- Full, free redraw
Investor Capitalizer
2.39%
p.a. Variable
2.48%*
p.a. Comparison
- Full or alt doc available
- 100% e-offset
- Full redraw
- Interest Only available
Featured Alt-Doc Home & Investment Loans
Owner Occupied Capitalizer Alt-Doc
Investor Capitalizer Alt-Doc
2.99%
p.a. Variable
3.08%*
p.a. Comparison
- Interest Only available (add 0.30%)
- Offset account available (add 0.10%)
- Free electronic redraw and unlimited extra repayments
3.29%
p.a. variable
3.38%*
p.a. Comparison
- No ongoing fees
- Offset account available (add 0.10%)
- Interest Only available (add 0.30%)
- Free unlimited redraw
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'sRate Cutter Cash Back
2.09%p.a. Variable Rate
2.18%p.a.* Comparison
- Owner Occupied
- Up to 70% LVR^
- No ongoing fees
Rate Lovers Cash Back
2.29%p.a. Variable Rate
2.38%p.a.* Comparison
- Owner Occupied
- Up to 90% LVR^
- No ongoing fees
Investor Rate Lovers Cash Back
2.49%p.a. Variable Rate
2.56%p.a.* Comparison
- Investment Loan
- Up to 90% LVR^
- Loan amount up to $2,000,000
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
Go and compareImportant 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.