LOW RATES FOR FIRST HOME BUYERS
Lowest Owner Occupied rates from
3.44%*Comparison
SETTLE DOWN IN YOUR FIRST HOME
Ready to buy your First Home? No doubt, you’re excited to take the first step in achieving the Australian Dream of owning your own home. There’s no other feeling like settling down in your very own home.
Before you dive in, crunch the numbers or simply give us a call and find how you can achieve a low rate home loan. First Home Buyers can be eligible for the First Home Owner Grant (FHOG). See how much Stamp Duty you could save as a First Home Owner at our Stamp Duty Calculator.
There’s a lot to consider: Variable or fixed? Invest or live-in? Never fear, Reduce Home Loans is here to guide you every step of the way.
VARIABLE RATE OWNER-OCCUPIED LOANS
Rate Lovers
3.47%
Variable
3.47%*
Comparison
- 80% LVR
- Full redraw facility
- Split loans available
Rate Slasher
3.44%
Variable
3.44%*
Comparison
- 70% LVR
- $0 upfront fees^
- Free 100% Offset Account
Rate Buster
3.49%
Variable
3.49%*
Comparison
- 80% LVR
- 100% Offset available
- Loans up to $2,000,000
Platinum Rate Buster Lite
3.55%
Variable
3.57%*
Comparison
- Loans up to $10,000,000
- Full redraw facility
- Split loans available
Platinum Rate Buster
3.66%
Variable
4.07%*
Comparison
- Loans up to $10,000,000
- Free 100% offset account
- ATM & Branch access
FIXED RATE OWNER-OCCUPIED LOANS
“Home Owners Dream”
1 Year Fixed
3.59%
Fixed 1 Year
3.73%*
Comparison
- Additional repayments available
- Loan splits available
- 80% LVR
2 Years Fixed
3.59%
Fixed 2 years
3.71%*
Comparison
- Loan splits available
- Offset Account available
- 80% LVR
3 Years Fixed
3.69%
Fixed 3 years
3.69%*
Comparison
- $0 upfront fees^
- Offset account available
- 80% LVR
First Home Investment
It’s not uncommon for someone to buy an investment property as their first house. Here’s our most popular loan for keen investors.
Investor Rate Buster
- Variable rate
- Optional offset account
- $0 upfront fees^
- Loan amount up to $2M
CRUNCH THE NUMBERS
Handy home loan calculators
THE REDUCE PROCESS
Launch your loan journey
MORE ABOUT OUR LOANS
See our FAQ for easy answers
