Compare our home loans

Quick reference

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

Your preferred contact time^




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).

CASH BACK LOANS


Owner Occ / Investment

LVR

Max LVR with LMI

Min Loan Amount

Max Loan Amount

Upfront Fees (Incl. 3rd Party Estimate)

Ongoing Fees

Offset Account Available

Available for Construction

Split Loan Available

Redraw Facility

Interest Only Repayments Available

Interest Only Rate Loading

Cash Back Offer

Super Saver

Cash Back

2.39% variable

2.39%* Comparison

Owner Occupied

80%

N/A

$250,000

$850,000

$1,170

$0^

N/A

Loan $250k - $500k: $1,000 Cash Back

Loan $500k - $850k: $2,000 Cash Back

Enquire

Economizer

Cash Back

2.49% variable

2.49%* Comparison

Owner Occupied

60%

N/A

$250,000

$5,000,000

$697

$0#

N/A

Loan $250k - $850k: $2,000 Cash Back

Loan $850k - $2M: $4,000 Cash Back

Loan $2M - $3M: $6,000 Cash Back

Loan $3M - $4M: $8,000 Cash Back

Loan $4M + : $10,000 Cash Back

Enquire

Cash Back Hero

2.59% variable

2.59%* Comparison

Owner Occupied

80%

90%

$250,000

$5,000,000

$697

$0#

N/A

Loan $250k - $850k: $2,000 Cash Back

Loan $850k - $2M: $4,000 Cash Back

Loan $2M - $3M: $6,000 Cash Back

Loan $3M - $4M: $8,000 Cash Back

Loan $4M + : $10,000 Cash Back

Enquire

Investor CASH bACK Hero

2.99% variable

2.99%* Comparison

Investment

80%

90%

$250,000

$5,000,000

$697

$0#

0.25%

Loan $250k - $850k: $2,000 Cash Back

Loan $850k - $2M: $4,000 Cash Back

Loan $2M - $3M: $6,000 Cash Back

Loan $3M - $4M: $8,000 Cash Back

Loan $4M + : $10,000 Cash Back

Enquire

OWNER OCCUPIER LOANS

Choose your owner occupier rate option to compare



LVR

Max LVR with LMI

Min Loan Amount

Max Loan Amount

Upfront Fees (Incl. 3rd Party Estimate)

Ongoing Monthly Fees

Offset Account Available

Available for Construction

Split Loan Available

Redraw Facility

Interest Only Repayments Available

Interest Only Rate Loading

sUPER sAVER

2.19% variable

2.19%* comparison

80%

N/A

$50,000

$850,000

$1,170

$0

N/A

Enquire

economizer

2.25% variable

2.25%* comparison

60%

N/A

$50,000

$5,000,000

$697

$0#

N/A

Enquire

LOW RIDER

2.25% variable

2.28%* Comparison

70%

N/A

$50,000

$750,000;

Add 0.30% up to $1.5M

$1,170

$0

0.30%

Enquire

Penny Pincher

2.29% variable

2.30%* comparison

70%

N/A

$50,000

$1,000,000

$697

$0

0.30%

Enquire

rate SLASHER

2.39% variable

2.39%* Comparison

80%

90% - add 0.10%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80% - 90% LVR

$697

$0#

N/A

Enquire

rate lovers

2.39% variable

2.42%* comparison


80%

90% - add 0.40%

$50,000

$750,000;

Add 0.30% up to $1.5M (<70% LVR only)

$1,170

$0

0.30%

Enquire

rate buster

2.45% variable

2.45%* Comparison

80%

90% - 0.10%

$250,000

$3,500,000: <80% LVR

$1,000,000: 80% - 90% LVR

$0^

$0#

N/A

Enquire

#Optional offset accounts hold a $10 monthly account keeping fee.



LVR

Max LVR with LMI

Min Loan Amount

Max Loan Amount

Upfront Fees (Incl. 3rd Party Estimate)

Ongoing Monthly Fees

Offset Account Available

Available for Construction

Split Loan Available

Redraw Facility

Interest Only Repayments Available

Interest Only Rate Loading

1 year fixed

2.19% fixed

2.57%* Comparison

80%

90%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$697^

$0#

N/A

Enquire

2 years fixed

2.19% fixed

2.54%* comparison

80%

90%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$697^

$0#

N/A

Enquire

3 years fixed

2.29% fixed

2.53%* Comparison

80%

90%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$697^

$0#

N/A

Enquire

#Optional offset accounts hold a $10 monthly account keeping fee.

COMPARE INVESTMENT LOANS

Choose your investment rate option to compare



LVR

Max LVR with LMI

Min Loan Amount

Max Loan Amount

Upfront Fees (Incl. Third Party Estimates)

Ongoing Monthly Fees

Offset Account Available

Available for Construction

Loan Splits Available

Redraw Facility

Interest Only Repayments Available

Interest Only Rate Loading

investor Rate SLASHER

2.79% variable

2.79%* comparison

80%

90% - add 0.10%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80% - 90% LVR

$1170

$0#

0.25%

Enquire

investor Penny Pincher

2.79% variable

2.79%* comparison

70%

N/A

$50,000

$850,000;

Add 0.30% up to $1.5M

$0^

$0#

0.25%

Enquire

investor rate lovers 

2.79% variable

2.79%* comparison

80%

90% - add 0.40%

$50,000

$850,000;

Add 0.30% up to $1.5M (<70% LVR only)

$697

$0

0.30%

Enquire

investor rate buster

2.89% variable

2.89* comparison

80%

90% - add 0.10%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$0^

$0#

0.25%

Enquire

investor Cash Back Hero

2.99% variable

2.99* comparison

80%

90% - add 0.10%

$250,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$697

$0#

0.25%

Enquire

^Third party charges apply for loans under $300,000. #Optional offset accounts hold a $10 monthly account keeping fee.



LVR

Max LVR with LMI

Min Loan Amount

Max Loan Amount

Upfront Fees (Incl. 3rd Party Estimate)

Ongoing Monthly Fees

Offset Account Available

Available for Construction

Split Loan Available

Redraw Facility

Interest Only Repayments Available

Interest Only Rate Loading

1 year fixed

2.49% fixed

2.97%* Comparison

80%

90%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$697^

$0#

0.20%

Enquire

2 years fixed 

2.49% fixed

2.92%* Comparison

80%

90%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$697^

$0#

0.20%

Enquire

3 years fixed

2.49% fixed

2.88%* Comparison

80%

90%

$50,000

$3,500,000: <80% LVR

$1,000,000: 80.01% - 90% LVR

$697^

$0#

0.20%

Enquire

#Optional offset accounts hold a $10 monthly account keeping fee.

OWNER OCCUPIER LOANS

Choose your owner occupier rate option to compare

Click to enlarge.

^Third Party Charges apply for loans under $300,000. #Optional offset accounts hold a $10 monthly account keeping fee.

Click to enlarge.

#Optional offset accounts hold a $10 monthly account keeping fee.

COMPARE INVESTMENT LOANS

Choose your investment rate option to compare

Click to enlarge.

^Third party charges apply for loans under $300,000 #Optional offset accounts hold a $10 monthly account keeping fee.

Click to enlarge

#Optional offset accounts hold a $10 monthly account keeping fee.

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 Variable

2.59%p.a. Variable Rate
2.59%p.a.*(20) Comparison Rate
loan features
  • 100% offset available
  • Full, free redraw facility
  • Up to 90% LVR
Apply today
Calculators

CRUNCH THE NUMBERS

Handy home loan calculators

CALCULATORS
Take off with the Reduce Process

THE REDUCE PROCESS

Launch your loan journey

Our process
Lending FAQ

MORE ABOUT OUR LOANS

See our FAQ for easy answers

lending faq

WHY CHOOSE REDUCE?