Funded and managed by


$2,000 up to
$10,000 Cash Back
on Purchases and Refinances
Reward yourself with Cash Back
Receive $2,000 up to $10,000 cash back on purchases and refinances with these specially tailored Cash Back loans. We’re committed to helping you find the best home loan deal, ever!
For the nitty gritty, see Cash Back Terms and Conditions here
A new home plus a cash reward!
We will pay you up to $10,000 cash when you purchase a home or refinance with us.
If you are an owner/occupier or an investor you will receive a minimum of $2,000 and up to $10,000 when you sign up for one of the variable or fixed rate home loans listed on this page.
Why take out a cash back home loan?
You’ll have a head start on your new property. With the extra cash in your pocket, you could:
Buy furniture for your new home
What better way to start life in your new home than with new beds, a lounge suite or a dining table and chairs for your family
Refurbish the bathroom or kitchen
Make a nearly-new house into your dream home with a sparkling new kitchen or bathroom
Landscape the garden
When you have a fantastic new home but the outdoor areas need some work
Install an alfresco entertainment area
Somewhere to relax in those cool evening breezes
or
Treat yourself
A new car, a holiday, the choice is yours!
Economizer Variable Cash Back Variable

Up to 80% LVR
6.24% p.a. Variable
6.30% p.a.* Comparison
Refinance loans up to 80% LVR
- Owner Occupied
- Receive $2,000 up to $10,000 Cash Back
- Maximum loan amount $3,500,000
Features
- Full, free redraw facility
- Unlimited extra repayments
- Weekly, fortnightly or monthly repayments
Fixed-rate or Variable rate home loans
Your first decision is whether to get a fixed rate or variable rate loan to purchase your new house. There are potential benefits and risks with each type of home loan.
With a variable rate loan, your interest rate will change, normally in line with the latest interest rates set out by the Reserve Bank of Australia.
Variable rate loans generally have lower rates of interest. Your repayments will decrease if interest rates go down, but you have the risk of making increased repayments if the home loan interest rates increase.
With a fixed rate home loan, the interest rate, and repayments, will stay the same for the agreed fixed rate period, normally 1 to 5 years, regardless of any changes to the lending interest rate.
When the agreed period for the fixed rate ends, your home loan becomes a variable interest rate loan.

Home Owners Dream Fixed Cash Back
Fixed rates from
6.49% p.a. Variable
6.32% p.a.* Comparison
Purchase or refinance up to 90% LVR*
- Owner Occupied
- Receive $2,000 up to $10,000 Cash Back
- Maximum loan amount $1,000,000^
Features
- 100% offset available
- Flexible repayment options
- Choose from 1 to 5 years fixed rate

Features available for you
Some of the features available on our variable or fixed rate cash back home loans:
Offset accounts
- Reduce loan interest charged
- Pay your wages into your offset account
- The value of your offset account is deducted from your outstanding loan balance for interest rate calculations
Redraw accounts
- Urgent need for cash?
- Withdraw cash up to the value of any additional payments you’ve made.
Variable repayment schedules
- Make your loan repayments when you get paid
- Weekly, fortnightly or monthly repayments
Flexible repayment options
- Additional repayments can be made to reduce the loan duration
Variable loan durations on fixed-rate loans
- Choose your own loan duration, from 1 to 5 years
Interest-only loans available
Property investor bonus
- Optimise your rental income with interest-only repayments on your home loan

Fixed Wealth Maximizer
Up to 90% LVR available*
6.69% p.a. Variable
6.61% p.a.* Comparison
Refinance up to 90% LVR
- Investment Loan
- Receive $2,000 up to $10,000 Cash Back
- Maximum loan amount $1,000,000^
Features
- 100% offset available
- Flexible repayment options
- Interest Only Available
- Choose from 1 to 5 years fixed rate
At Reduce Loans, we aim to help you select the best home loan for you and your situation. This information is to guide your choices.
Cash Back
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