Cash Back Offer

$2,000 up to $10,000 cash back with Reduce

$2,000 up to

$10,000 cash back

on purchases or refinances

Now you can have your cake and eat it, too

Receive $2,000 up to $10,000 cash back on purchases and refinances with Reduce Home Loans. We’re committed to helping you find the best home loan deal, ever!

Read on for our Cash Back Terms and Conditions

Cash Back loan options are here!

Home Owners Dream 1-5 Year Fixed


Owner Occupied Fixed Cash Back

Available for purchases & refinance purposes at a great Fixed rate.

  • Fixed Owner Occupier Home Loan
  • Borrow up to 80% LVR
  • Optional 100% offset
  • Additional repayments up to $20k p.a. during fixed term Loan splits available
  • Get up to $10,000 cash back

Home Owners Dream 1-5 Yr Fixed Cash Back

5.99%p.a.  Fixed Rate
6.29%p.a.* Comp Rate

Get Cash Back on your investment loan

Fixed Wealth Maximizer with Cash Back

Settle your investment purchase or refinance with confidence and cash in your pocket.

  • Fixed Rate Investment Loan
  • Borrow up to 80% LVR
  • Optional 100% offset
  • Additional repayments up to $20k p.a. during fixed term
  • Interest Only available
  • Up to $10,000 cash back

Investor Wealth Maximizer Cash Back

6.19%p.a. Fixed Rate
6.55%p.a.* Comp Rate

Cash Back Offer

$2,000 up to $10,000 cash back with Reduce

Reduce Home Loans Cash Bonus Offer


Receive up to $10,000^ cash bonus on purchases and refinances.

Multiple securities accepted to make up total loan amount.

Loan AmountCash Bonus
$250,000 - $499,999.99$2,000
$500,000 - $749,999.99$3,000
$750,000 - $1,999,999.99$5,000
$2,000,000 + $10,000
Owner Occupied $2,000 up to $10,000 Cash Back

Owner Occupied

Investment loans $2,000 up to $10,000 Cash Back



The 2024 Reduce Home Loans Cash Bonus offer (Bonus Offer) is offered by the Funder for customers of Reduce Home Loans Pty Ltd (ABN 54 133 596 111) Australian Credit Licence 388053.

You are taken to have agreed to these Bonus Offer terms and conditions if you participate in the scheme.

This Bonus Offer is subject to the following conditions:

  1. the first loan applications must be received by Reduce Home Loans between January 1 2024 and June 30 2024, for loans that are funded by July 31st 2024;
  2. the loan amount* must be greater than $250,000 and the loan must have a loan to value ratio of no more than 90%;
  3. Commercial securities are not eligible to participate, the offer is only available for owner occupied, investment, interest only and construction home loans however: where an offset account applies the loan amount* is the difference between the drawn loan amount and the credit balance in the offset account, as at the end of the month the loan settled. Where a construction loans applies, the loan amount* is the total amounts drawn as at as at the end of the month the loan settled.
  4. you must be an individual Australian resident aged 18 years and over (individual SMSF trustee(s) are not eligible);
  5. the offer cannot be used in conjunction with any other cash bonus offer and there is only one bonus per eligible loan regardless of the number of borrowers or securities involved with the loan application;
  6. the offer excludes all refinances including switches and internal refinances of home loans with the MEzy Assets Pty Ltd Group or Adelaide Bank Ltd, Origin MMS, BC Securities or Well Nigh;
  7. Standard lending criteria, fees and charges apply and all loan applications are subject to the credit provider’s credit approval criteria and processes; and
  8. loan applications via brokers and other credit intermediaries are not eligible.

If the Bonus Offer conditions are satisfied, the following bonus entitlements apply:

The Bonus will be paid by Reduce Home Loans to the loan account in the name(s) of the borrower(s), within 30 days after the loan settlement date. The payment cannot be made to any other person(s) or account(s).

The Bonus Offer is made by the Funder to the applicant(s) and is subject to full Funder requirements, they cannot assign or transfer any right or entitlement to any other person(s).

Your loan must stay current for a minimum of 24 months after the loan settlement. Should you discharge your loan within the 24 months from the date the cash back is paid then this amount will need to be re paid and added to your total balance payable at the time of your discharge.

Applicant(s) need to obtain their own tax and accounting advice regarding the Bonus Payment.  Reduce Home Loans gives no representation regarding these matters.

The Bonus Offer is current as at 1st January 2023 and remains subject to change without notice, by publication on our website (  Reduce Home Loans may, at any time, withdraw or modify these terms and conditions.


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