2 Year Fixed Rate Investment


2 Year Fixed Rate Wealth Maximizer


3.99% p.a. Fixed Rate
4.30% p.a.* Comparison Rate




Personal,Company, Unit and Discretionary Trust

Loan Amount


Rate Based on

80% LVR for Purchases Investment
80% LVR for Refinance Investment


Up to 30 years

Rate Options

Fixed 2 years. Reverts to variable

Multiple Accounts

100% Offset with Debit Card for $10 per month

Loan splits available


Half Yearly

Redraw Facility

Not available on fixed loans

Account Access

Internet & Phone transfer access to nominated account


Principal & Interest

Interest Only (add 0.20% to interest rate)


Weekly, Fortnightly or Monthly


Direct Debit Repayment drawn form a nominated account
Salary Credit Wages directly credited into account

Additional Repayments

Extra repayments may be made at any time without penalty
Deposit Book available


Application Fee


Establishment Fee



Covers up to $330

Legal Fees

$220 Plus disbursements & Government charges

Funder’s Processing Fee


Annual Fee


Monthly Fee


Settlement Fee


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Reduce Home Loans where reducing rates is just the start.

Reduce home loans is a multi-award winning Australian Owned and Operated Home Loan Company. Since 2010 we have been passionate about helping our clients find not only the lowest Interest rates on the market but Home loans that are tailored to their individual needs. Our Home Loan range has been awarded 5 stars by Canstar and awarded Best of the Best Cheapest Home Loan 2016, 2017 and 2018 by Money Magazine.

Personal Service.

We understand that applying for a Home Loan can sometimes be quite stressful or over whelming. That’s why at Reduce Home Loans you will be assigned your own personal finance manager to guide you and be available throughout the process. Nobody fights harder for the best deal and lowest rates than Reduce, and this absolute commitment is evident in our jaw-dropping suite of solutions. Our rates are not only incredibly low, we can provide loans for investment, residential property, construction or consolidation of debt. Even if you don’t fit the Banks prescriptive profile, we are still committed to helping you achieve your goals.