About Reduce

Online lending specialists

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    Leave your details and one of our Personal Finance Managers will contact you within one business day.

    Who is Reduce Home Loans?

    Well let’s start with explaining what we’re not. We’re not a Broker and definitely not a Bank.

    Reduce Home Loans is an Australian owned and operated Non-Bank Lender.

    So what does that mean? Well we source wholesale Funding from institutional investors and Wholesale Banks cutting out the middle man to deliver exceptional loans at the lowest possible price both in terms of interest and fees or should we say lack of such annoyances.

    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 such as  maintaining branches, shunning expensive advertising and streamlining our cost structure 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 each time at a call centre.

    Your Personal Finance Manager will run you through all you need to know when applying for your loan.


    Our Pride

    Our mission is to reduce rates and save Aussies thousands of dollars on their mortgages with the aim to assist you in becoming debt free in the soonest possible time.

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

    From winning five consecutive years of Money Magazine’s Best and Cheapest home loans to multiple Canstar’s 5 Star Ratings, Mozo Expert Choice Awards and Rate City’s Home Loan Gold Awards to name a few we definitely walk the talk.

    But don’t take our word for it – check out what our everyday customers say about us here.

    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.

    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 

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