Compare our home loans

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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.    		LVRInstant
    Approval    		OffsetRedrawInterest
    Only
    Super Saver
    		1.94%
    2.03%*    		60%
    Super Saver
    		1.99%
    2.06%*    		80%
    Economizer
    		2.09%
    2.14%*    		80%
    Rate Cutter Cash Back
    		2.29%
    2.37%*    		60%
    Capitalizer
    		2.39%
    2.49%*    		80%
    Rate Lovers Cash Back
    		2.49%
    2.57%*    		80%
    Rate Slasher 90
    		2.79%
    2.81%*    		90%
    Ezy Variable
    		3.19%
    3.27%*    		80%
    Capitalizer ALT-DOC
    		2.99%
    3.08%*    		80%
    Loan ProductRate p.a.
    Comp* p.a.    		LVRInstant
    Approval    		OffsetRedrawInterest
    Only
    Home Owners Dream 1 Yr Fixed
    		3.79%
    2.57%*    		80%
    Home Owners Dream 2 Yr Fixed
    		4.79%
    2.85%*    		80%
    Home Owners Dream 3 Yr Fixed
    		4.99%
    3.05%*    		80%
    Home Owners Dream 4 Yr Fixed
    		5.19%
    3.27%*    		80%
    Home Owners Dream 5 Yr Fixed
    		5.19%
    3.44%*    		80%
    Loan ProductRate p.a.
    Comp* p.a.    		LVRInstant
    Approval    		OffsetRedrawInterest
    Only
    Rate Cutter Cash Back
    		2.29%
    2.37%*    		60%
    Rate Lovers Cash Back
    		2.49%
    2.57%*    		80%
    1 Yr Fixed Home Owners Dream Cash Back
    		3.79%
    2.57%*    		80%
    2 Yr Fixed Home Owners Dream Cash Back
    		4.79%
    2.85%*    		80%
    3 Yr Fixed Home Owners Dream Cash Back
    		4.99%
    3.05%*    		80%
    4 Yr Fixed Home Owners Dream Cash Back
    		5.19%
    3.27%*    		80%
    5 Yr Fixed Home Owners Dream Cash Back
    		5.19%
    3.44%*    		80%

    See Cash Back Terms and Conditions Here

    Refinance your investment loan

    Investment loans

    Loan ProductRate p.a.
    Comp* p.a.    		LVRInstant
    Approval    		OffsetRedrawInterest
    Only
    Investor Rate Cutter
    		2.29%
    2.38%*    		80%
    Investor Rate Slasher Cash Back
    		2.69%
    2.75%*    		90%
    Investor Rate Lovers 60
    		2.49%
    2.68%*    		60%
    Investor Capitalizer

    		2.69%
    2.78%*    		80%
    Investor Rate Lovers
    		2.79%
    2.85%*    		80%
    Investor Capitalizer ALT-DOC

    		3.49%
    3.97%*    		80%
    Loan ProductRate p.a.
    Comp* p.a.    		LVRInstant
    Approval    		OffsetRedrawInterest
    Only
    Wealth Maximizer 1 Yr Fixed
    		3.99%
    2.86%*    		80%
    Wealth Maximizer 2 Yr Fixed
    		4.99%
    3.13%*    		80%
    Wealth Maximizer 3 Yr Fixed
    		5.19%
    3.32%*    		80%
    Wealth Maximizer 4 Yr Fixed
    		5.39%
    3.50%*    		80%
    Wealth Maximizer 5 Yr Fixed
    		5.49%
    3.77%*    		80%
    Loan ProductRate p.a.
    Comp* p.a.    		LVRInstant
    Approval    		OffsetRedrawInterest
    Only
    Investor Rate Lovers 60 Cash Back 2.49%
    2.68%*    		60%
    Investor Rate Lovers Cash Back 2.79%
    2.85%*    		80%
    1 Yr Fixed Cash Back 4.04%
    2.91%*    		80%
    2 Yr Fixed Cash Back 4.99%
    3.13%*    		80%
    3 Yr Fixed Cash Back 5.19%
    3.32%*    		80%
    4 Yr Fixed Cash Back 5.44%
    3.55*    		80%
    5 Yr Fixed Cash Back 5.44%
    3.72%*    		80%

    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    		Instant
    Online
    Approval    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Rate Cutter
    		2.49%
    2.57%*    		60%
    Economizer Variable
    		2.57%
    2.64%*    		80%
    Capitalizer Variable
    		2.69%
    2.78%*    		90%
    Rate Lovers Variable Cash Back
    		2.99%
    3.07%*    		90%
    Rate Slasher 90 Variable
    		3.29%
    3.36%*    		90%
    Ezy Variable
    		3.69%
    3.77%*    		80%
    Capitalizer ALT-DOC Variable
    		4.19%
    4.28%*    		65%
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Instant
    Online
    Approval    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Home Owners Dream 1 Year Fixed
    		4.99%
    3.11%*    		80%
    Home Owners Dream 2 Year Fixed
    		5.69%
    3.36%*    		80%
    Home Owners Dream 3 Year Fixed
    		6.09%
    3.62%*    		80%
    Home Owners Dream 4 Year Fixed
    		6.29%
    3.88%*    		80%
    Home Owners Dream 5 Year Fixed
    		6.29%
    4.09%*    		80%
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Instant
    Online
    Approval    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Rate Lovers Cash Back

    		2.99%
    3.07%*    		90%
    1 Yr Fixed Home Owners Dream Cash Back

    		4.99%
    3.11%*    		80%
    2 Yr Fixed Home Owners Dream Cash Back

    		5.69%
    3.36%*    		80%
    3 Yr Fixed Home Owners Dream Cash Back

    		6.09%
    3.62%*    		80%
    4 Yr Fixed Home Owners Dream Cash Back

    		6.29%
    3.88%*    		80%
    5 Yr Fixed Home Owners Dream Cash Back

    		6.29%
    4.09%*    		80%

    See Cash Back Terms and Conditions Here

    Compare variable and fixed investment loans

    Investment loans

    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Instant
    Online
    Approval    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Investor Capitalizer
    		2.89%
    2.98%*    		90%
    Investor Rate Slasher Special
    		2.99%
    3.06%    		90%
    Investor Rate Lovers 60
    		3.09%
    3.17%*    		60%
    Investor Rate Slasher Cash Back
    		3.19%
    3.27%*    		70%
    Investor Rate Lovers
    		3.29%
    3.37%*    		90%
    Investor Capitalizer ALT-DOC
    		4.19%
    4.28%*    		65%
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Instant
    Online
    Approval    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Wealth Maximizer 1 Year Fixed
    		5.29%
    3.50%*    		80%
    Wealth Maximizer 2 Year Fixed
    		5.89%
    3.72%*    		80%
    Wealth Maximizer 3 Year Fixed
    		6.39%
    3.99%*    		80%
    Wealth Maximizer 4 Year Fixed
    		6.49%
    4.22%*    		80%
    Wealth Maximizer 5 Year Fixed
    		6.59%
    4.45%*    		80%
    Loan ProductRate p.a.
    Comp* p.a.    		Max
    LVR    		Instant
    Online
    Approval    		90% LVR
    Available^    		Offset
    Account    		Extra
    Repayments
    & Redraw    		Interest
    Only    		Construction
    Available
    Investor Rate Lovers 60 Cash Back

    		3.09%
    3.17%*    		60%
    Investor Rate Lovers Cash Back

    		3.29%
    3.37%*    		90%
    1 Yr Fixed Wealth Maximizer Cash Back

    		5.29%
    3.50%*    		80%
    2 Yr Fixed Wealth Maximizer Cash Back

    		5.89%
    3.72%*    		80%
    3 Yr Fixed Wealth Maximizer Cash Back

    		6.39%
    3.99%*    		80%
    4 Yr Fixed Wealth Maximizer Cash Back

    		6.49%
    4.22%*    		80%
    5 Yr Fixed Wealth Maximizer Cash Back

    		6.59%
    4.45%*    		80%

    See Cash Back Terms and Conditions Here

     

    Cash Back is here!

    Receive $2,000 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

    Rate Cutter Cash Back from

    2.99%p.a.
    Variable Rate
    3.07%p.a.*
    Comparison Rate
    loan features
    • 100% offset available
    • Full, free redraw facility
    • No ongoing fees
    • Loan splits available
    Apply today
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