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    Compare our loans at a glance

    There’s a lot to compare across different home loan products. Rates, features terms and fees. Here you can find a quick and easy comparison between our Owner Occupier and Investment loans across fixed and variable rate options.

    We’re here to help you determine which home loan product is best for you with the perfect features you need. Remember, we’re on call to help you make the right decision at 1300 REDUCE (733 823).

    Great rates for owner occupiers

    Owner Occupied Home Loans

    Loan ProductRate p.a.
    Comp* p.a.    		LVRTotal
    Fees    		OffsetRedrawInterest
    Only
    Super Saver
    		1.77%
    1.86%*    		80%$1,170
    Rate Cutter
    		1.79%
    1.88%*    		60%$1,020
    Economizer
    		1.89%
    1.94%*    		80%$697
    Rate Lovers
    		1.99%
    2.08%*    		80%$1,020
    Capitalizer
    		1.99%
    2.08%*    		80%$1,170
    Rate Slasher 90
    		2.59%
    2.61%*    		90%$0
    Ezy Variable
    		2.99%
    3.07%*    		80%$1,170
    Capitalizer ALT-DOC
    		2.99%
    3.08%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		LVRTotal
    Fees    		OffsetRedrawInterest
    Only
    Home Owners Dream 1 Yr Fixed
    		2.09%
    2.26%*    		80%$1,170
    Home Owners Dream 2 Yr Fixed
    		2.39%
    2.29%*    		80%$1,170
    Home Owners Dream 3 Yr Fixed
    		2.69%
    2.37%*    		80%$1,170
    Home Owners Dream 4 Yr Fixed
    		3.19%
    2.54%*    		80%$1,170
    Home Owners Dream 5 Yr Fixed
    		3.39%
    2.68%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		LVRTotal
    Fees    		OffsetRedrawInterest
    Only
    Super Saver Cash Back
    		2.29%
    2.36%*    		80%$697
    Cash Back Hero
    		2.19%
    2.24%*    		80%$697

    See Cash Back Terms and Conditions Here

    Refinance your investment loan

    Investment loans

    Loan ProductRate p.a.
    Comp* p.a.    		LVRTotal
    Fees    		OffsetRedrawInterest
    Only
    Investor Rate Lovers 60
    		1.99%
    2.08%*    		60%$1,020
    Investor Rate Slasher
    		2.09%
    2.16%*    		70%$580
    Investor Capitalizer

    		2.19%
    2.28%*    		80%$1,170
    Investor Rate Lovers
    		2.29%
    2.36%*    		80%$580
    Investor Capitalizer ALT-DOC

    		3.29%
    3.38%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		LVRTotal
    Fees    		OffsetRedrawInterest
    Only
    Wealth Maximizer 1 Yr Fixed
    		2.39%
    2.56%*    		80%$1,170
    Wealth Maximizer 2 Yr Fixed
    		2.39%
    2.55%*    		80%$1,170
    Wealth Maximizer 3 Yr Fixed
    		2.69%
    2.61%*    		80%$1,170
    Wealth Maximizer 4 Yr Fixed
    		3.29%
    2.79%*    		80%$1,170
    Wealth Maximizer 5 Yr Fixed
    		3.39%
    2.87%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		LVRTotal
    Fees    		OffsetRedrawInterest
    Only
    Investor Cash Back Hero
    		2.49%
    2.54%*    		80%$697

    See Cash Back Terms and Conditions Here

    Compare loans for your owner occupied house

    Owner Occupied Home Loans

    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Total
    Fees    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Super Saver Variable
    		1.77%
    1.86%*    		80%$1,170
    Rate Cutter
    		1.79%
    1.88%*    		60%$1,020
    Economizer Variable
    		1.89%
    1.94%*    		80%$697
    Rate Lovers Variable
    		1.99%
    2.08%*    		80%$1,020
    Capitalizer Variable
    		1.99%
    2.08%*    		80%$1,170
    Rate Slasher 90 Variable
    		2.59%
    2.61%*    		90%$0
    Ezy Variable
    		2.99%
    3.07%*    		80%$1,170
    Capitalizer ALT-DOC Variable
    		2.99%
    3.08%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Total
    Fees    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Home Owners Dream 1 Year Fixed
    		2.09%
    2.26%*    		80%$1,170
    Home Owners Dream 2 Year Fixed
    		2.39%
    2.29%*    		80%$1,170
    Home Owners Dream 3 Year Fixed
    		2.69%
    2.37%*    		80%$1,170
    Home Owners Dream 4 Year Fixed
    		3.19%
    2.54%*    		80%$1,170
    Home Owners Dream 5 Year Fixed
    		3.39%
    2.68%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Total
    Fees    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Super Saver Cash Back Variable
    		2.19%
    2.26%*    		80%$697
    Cash Back Hero Variable
    		2.19%
    2.24%*    		80%$697

    See Cash Back Terms and Conditions Here

    Compare variable and fixed investment loans

    Investment loans

    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Total
    Fees    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Investor Rate Lovers 60
    		1.99%
    2.08%*    		60%$1,020
    Investor Rate Slasher
    		2.09%
    2.16%*    		70%$580
    Investor Rate Cutter
    		2.09%
    2.18%*    		80%$1,170
    Investor Capitalizer
    		2.19%
    2.28%*    		80%$1,170
    Investor Rate Lovers
    		2.29%
    2.36%*    		80%$580
    Investor Capitalizer ALT-DOC
    		3.29%
    3.38%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Total
    Fees    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Wealth Maximizer 1 Year Fixed
    		2.39%
    2.56%*    		80%$1,170
    Wealth Maximizer 2 Year Fixed
    		2.39%
    2.55%*    		80%$1,170
    Wealth Maximizer 3 Year Fixed
    		2.69%
    2.61%*    		80%$1,170
    Wealth Maximizer 4 Year Fixed
    		3.29%
    2.79%*    		80%$1,170
    Wealth Maximizer 5 Year Fixed
    		3.39%
    2.87%*    		80%$1,170
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Total
    Fees    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Investor Cash Back Hero
    		2.49%
    2.54%*    		80%$697

    See Cash Back Terms and Conditions Here

     

    Cash Back is here!

    Receive $1,000 up to $10,000 cash back on purchases and refinances with Reduce Home Loans!

    Cash Back Hero is here for a limited time! Available for both Owner Occupiers and Investors. Minimum loan sizes apply

    Find out more

    Cash Back Hero from

    2.19%p.a.
    Variable Rate
    2.24%p.a.*
    Comparison Rate
    loan features
    • 100% offset available
    • Full, free redraw facility
    • Up to 90% LVR^
    Apply today
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