About Reduce

Online lending specialists

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Reduce Home Loans is an Australian owned and operated non-bank lender for home loans.

Since 2010 we’ve been helping everyday Aussies save thousands on their home loans. How do we do this? Reduce operates online, which means less overheads like maintaining branches and all that jazz, to pass those savings on to you.

We run everything from our head office, which means you can get a loan from the comfort of your living room, online or over the phone.

Our Team

Our close-knit team share our company’s vision – we’ll do everything we can to get you a low-rate loan that suits your needs, not ours!

We understand that applying for a home loan can be confusing, stressful or overwhelming. That’s why at Reduce you’ll get to talk to your own Personal Finance Manager, not a different person at a call centre.

Your Personal Finance Manager will run you through all you need to know when applying with Reduce Home Loans.

Our Pride

We’ve made it pretty clear that our mission is to reduce rates and save Aussies thousands of dollars on their mortgages.

We’re proud that our efforts since 2010 have been recognised, having won multiple awards for our home loan range.

From back-to-back Money magazine’s Best of the Best to Canstar’s 5 Star Ratings, we definitely walk the talk. Check out more of our awards.

Find the Cheapest Home Loan that’s right 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.

Loan calculators and finance calculators

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!


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