HELP GUIDES

Tips, tricks and mortgage hacks

HANDY HOME LOAN HELP GUIDES

There’s a lot to know about home loans. Fortunately, we’ve put together some handy guides and tips to help you understand the ins and outs of mortgages.

You can find information on offset accounts and mortgage jargon; as well as tips on refinancing, investing, buying your first home and more.

Should I purchase property before or after selling my old home?

If you’re considering purchasing property but already own an existing property, one of the most [...]

5 things you need to know about mortgage pre-approval

5 things you need to know about mortgage pre-approval When it comes to purchasing your [...]

5 signs it’s time to refinance your mortgage

There are significant benefits to refinancing a home loan, whether a borrower is looking to [...]

Reduce Home Loans continues to roll out home loan value with more Canstar 5 Star Ratings!

Yesterday Canstar awarded Reduce Home Loans a hot 5-Star Rating for Outstanding Value in home [...]

Reduce Home Loans winner of 5 RateCity Gold Awards

Leading low-rate lender, Reduce Home Loans, has been awarded five awards for various home loans [...]

Tips to save for your first home in 2021

Despite a year filled with challenges and uncertainty, the Great Australian Dream of owning a [...]

The 2020 Housing Market Snapshot with Reduce Home Loans

As we prepare to enter 2021, Reduce Home Loans looks back at the last 12 [...]

Should I buy a property with a 5% deposit?

Saving for a home deposit is never easy, especially if you’re a first home buyer [...]

Is now the right time to fix my home loan?

Right now in Australia, there are two things we are sure of: home loan interest [...]

Tips and tricks for building your dream home

Everyone knows the Great Australian Dream is to buy a property of your own, but [...]

7 questions to ask when choosing a home loan

Whether you’re a first home buyer, long-term property investor or just looking to refinance, there’s [...]

8 Common mistakes of first-time property buyers

You’ve scrimped and saved up a healthy deposit for a home and you’re ready to [...]

Should you split your home loan rate?

When you begin your home loan journey, you’ll eventually find yourself at a crossroads: should [...]

How to pay off your mortgage faster

Your mortgage is arguably the biggest debt and ongoing bill you will have in your [...]

How to be your own mortgage broker

It’s never been easier for everyday Aussies to take control of their finances and cut [...]

Features that will unlock your home loan’s potential

Whether you’re a first home buyer or a refinancer, choosing a mortgage with features can [...]

3 Property Investment Trends in 2020

Looking to buy an investment property, or expand your current portfolio? Understandably, the market has [...]

This is how to secure the lowest home loan rate in Australia

Spring has sprung in Australia, and it’s not just the weather that’s warming up. The [...]

Is now the right time to invest in property?

Australia is currently facing its first recession in decades off the back of the Coronavirus [...]

Why now is the right time to refinance

With Australia facing so much uncertainty at the moment, you may be considering refinancing your [...]

What First Home Buyers need to know about buying during COVID-19

For first home buyers looking to get a foot on the property ladder, it’s no [...]

Australian housing market defies expectations during COVID-19

As the Coronavirus pandemic continues to grip the nation, the Australian property market has stayed [...]

What is LMI and does it apply to me?

Lender’s Mortgage Insurance If you are looking to purchase a home and have a deposit [...]

What is a Loan Split?

Lenders can offer many features to go with home loans. We often hear of the [...]

8 more reasons to make the switch: Mozo Expert’s Choice Awards 2020

Today Reduce Home Loans has taken out 8 Mozo Expert’s Choice awards across 13 total [...]

Reduce Home Loans follows RBA’s 4th Cash Rate cut in 9 months

Reduce Home Loans drops rates to historic lows following the RBA rate cut announcement Australia’s [...]

Bank loyalty doesn’t pay; refinance and save

With home loan rates the lowest they’ve ever been, most Aussies could spare a few [...]

How Does Equity Work in Property?

If you own a property, the difference in the amount you own on that property [...]

House prices on the rise in 2020

House prices across the country are showing a rising trend, with the national dwelling value [...]

How to protect your interest rate

For many of us, home loans tend to be a set-and-forget part of our finances. [...]

February 2020 | RBA Decides to Hold Interest Rates

RBA Governor Phillip Lowe announces a hold to the official Cash Rate at 0.75% Today’s [...]

Signs it’s time to refinance

When was the last time you reassessed your mortgage? Guest Author: Graham Cooke, property expert [...]

How do Construction Loans work?

Many Australians dream of designing and building their own home with all the bells and [...]

What you need to know about the First Home Loan Deposit Scheme

What is the FHLDS? The First Home Loan Deposit Scheme is an initiative by the [...]

Low Rider Variable rated Best of the Best Cheapest Flexible Loan 2020

Money Magazine Awards 2020 – Australia’s Cheapest Flexible Home Loan five years in a row!

For the fifth year in a row, Reduce Home Loans takes out the top spot [...]

Should you stay or should you go?

Did you know that 2 in 3 Australian mortgage owners think about switching their home [...]

Do you know your Interest Rate?

75% of Australians do not know their home loan interest rate, according to the Herald [...]

Home Loan Rates Falling Under 3%

Hottest Home Loan Rates While most banks are not passing the full 0.25% cut to [...]

RBA Announcement Rate Cut to all time low of 1.25%

WE’VE SLASHED INTEREST RATES FOLLOWING TODAY’S RBA ANNOUNCEMENT

Reduce is offering the full 0.25% drop The RBA announced a 0.25% interest rate cut [...]

Pay off your home loan quicker with 5 great tips

Most mortgage terms run for a maximum of 30 years. While convenient to stick with [...]

Millennials using housing downturn in their favour

Millennials are making the housing downturn work in their favour

Australia is experiencing one of the steepest housing downturns since the 2007 global financial crisis, [...]

2019 Pre-Election Budget

How will the proposed 2019 Budgets affect home owners and investors? Last week, Scott Morrison [...]

Does the cash rate affect mortgage rates as much as we think?

How relevant is the Cash Rate, anyway?

On Tuesday (05 March) the Reserve Bank of Australia (RBA) held its monthly monetary policy [...]

Tips to Save Money

Try LifeHacker’s Advice and Save Money! Budgeting isn’t easy, we deal with many daily and [...]

2019: The Rise of the First Home Buyer

Guide for First Home Buyers This New Year, let us guide you through the latest [...]

What is a Mortgage Offset Account?

What is a Mortgage Offset Account? How does it work? Many of us have heard [...]

Choose the Right Investment Property

Choose the Right Investment Property Your Loan Hub has provided a few tips to help [...]

7 Ways You Can Save Money on Your Home Loan

7 Ways You Can Save Money on Your Home Loan Saving money on your home [...]

Tips for choosing the right real estate agent to sell your home

Tips for choosing the right real estate agent to sell your home Finding the right [...]

How to Improve Your Credit Score In 5 Simple Steps

Are you worried about your credit score? Did you imagine your credit score would be [...]

Got any questions?

You can simply call us on 1300 REDUCE to speak to a qualified Personal Finance Manager

Or check out our FAQ page for more commonly asked questions.

WHO IS REDUCE HOME LOANS?

Multi-award winning non-bank lender. Operating online, Australia-wide.

Want to know more? Read more about us.

Find the Cheapest Home Loan that’s perfect for you

No matter what stage of the home loan journey you’re at, we’re here to help you find a great rate across variable, fixed or a mix of both.

Our home loan range also offer great features and flexibility, so you can apply with confidence.

First Home Buyer

Your Next Home

Investment Loans

Refinance home and debt - Reduce Home Loans

Refinance & Consolidate

Construction Loans

SMSF

Why choose Reduce?

Hottest interest rates - Reduce Home Loans

HOTTEST RATES

We’re on a mission to deliver the most competitive home loan rates on the market! Go on and compare.

FIRST-CLASS SERVICE

Online lending. Personalised service. Find out more about our team and positive reviews of our service.

INDUSTRY SPECIALISTS

We walk the talk. Our home loan range is multi-award winning, including Canstar and Money magazine.

ONLINE CONVENIENCE

We run everything from our head office. Less overheads, cheaper rates. Check out how we do things at Reduce.

Loan calculators and finance calculators

Crunch the Numbers

We’ve got a number of home loan and finance calculators available for you to easily crunch those hefty numbers. Give it a try!

Calculators

Compare our Different Loan Products

Not sure which loan product is right for you? Simply compare each of our home loan rates and features side-by-side easily.

Compare Fixed and Variable Owner Occupied and Investment loans

Go and compare