Low rates for First Home Buyers

Lowest Owner Occupied rates from

2.90%*p.a. Comparison (1)

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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.

First home buyer - Reduce Home Loans

VARIABLE RATE OWNER-OCCUPIED LOANS

Low Rider

2.89%
p.a. Variable 
2.91%*
p.a. Comparison (1)
  • Up to 80% LVR
  • 100% Offset available
  • Full redraw facility
MORE

Rate Lovers

2.97%
p.a. Variable 
2.99%*
p.a. Comparison(2)
  • Up to 80% LVR
  • Full redraw facility
  • Split loans available
MORE

Rate Buster

2.97%
p.a. Variable 
2.98%*
p.a. Comparison (5) 
  • Up to 90% LVR plus LMI
  • 100% Offset available
  • Loans up to $2,000,000
MORE

FIXED RATE OWNER-OCCUPIED LOANS

“Home Owners Dream”

2 Years Fixed

2.97%
p.a. Fixed 2 years 
3.08%*
p.a. Comparison (8)
  • Loan splits available
  • Offset Account available
  • Up to 90% LVR plus LMI
More

3 Years Fixed

2.97%
p.a. Fixed 3 years 
3.08%*
p.a. Comparison (9) 
  • Up to 90% LVR plus LMI
  • Offset account available
  • Loans up to $2,000,000
MORE

Want to buy, but haven’t found a place yet?

Get your finance pre-approved and be ready to buy.

Apply for a pre-approval

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.

See all of our investment options.

Calculators

CRUNCH THE NUMBERS

Handy home loan calculators

CALCULATORS
Take off with the Reduce Process

THE REDUCE PROCESS

Launch your loan journey

Our process
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