Kurt was excellent to deal with. Great customer service, very helpful and experienced. One of the best rates on the market.
Exceptional customer service provided by Nick Freney in assisting us to navigate three separate loans. Wouldn’t hesitate in strongly recommending him to other prospect customers.
Just settled on my refinance with Vaughan at Reduce Home Loans. He made the process super easy and efficient. Was also great to be informed regularly throughout the entire process to put my mind at ease.Thanks 👍
We have been with Reduce Home Loans since 2015 and they've consistently secured the best rates and account features for us. This month we refinanced to a very competitive rate thanks to our Personal Finance Manager Connor.Connor provided us with helpful guidance and thoroughly answered all our questions. Everything was completed promptly and he was so responsive with our queries. The application process has also become much more streamlined and user friendly over the years.Thanks to Connor (and previously Rhyse) at Reduce Home Loans, we've been able to achieve our dream of having a home for our family. We highly recommend them for their personalised, exceptional service and expertise, as well as their broad product offering. Thanks again!
I have used Reduce Home Loans recently. I have dealt with Vaughan from Reduce Home Loans. I find Vaughan very helpful and easy to approach. I think they have great knowledge and great interest rates options and cash back offers. I will recommend to seek their advice for new home loans. Thanks, Dev
Kurt was phenomenal, very knowledgable, patient and communicative across the entire process. Can't recommend them highly enough.
Vaughan Enright has been an absolute pleasure to deal with. He is always extremely responsive and helpful, listens to my needs, and has been working with me to get the best he can. He has been reliable, getting back to me quickly, calling when he says he will (great timekeeper). Very happy with the experience as I initially called 3 or 4 months ago, he has been very informative from tyre kicking/semi serious stage to now at crunch time. Definitely recommend working with him.
I have used Reduce Home loans several times to refinance our loan. I cannot recommend them highly enough. They are extremely knowledgeable and have access to highly competetive interest rates. Their communication throughout the loan application process is excellent and it is very easy to get in touch with them when you need to. Definitely use Reduce!
Nick and the team never fail to impress and always achieve better than expected results. With a great network of lenders and products they always manage to deliver, keeping you well informed along the journey. Always know I am in capable hands and a achieving the best of what's out there.I cannot recommend Reduce highly enough. 11 out of 10! Keep up the good worm 👍
Prompt customer service and staightforward process. Access to great rates. Clear communication. Loan settled without problems and would definitely use them again.
We have been working with Reduce Home Loans for a few years now. We have done some refinancing of home loans and have applied for new home loans with Reduce Home Loans. Each and every time we managed to get some awesome deals, lowest variable rates available on the market. I highly recommend Reduce Home Loans. We will definitely use them again in future!!
Nick Freney, from reduced home loans, was fantastic. He made the whole process of refinancing my house loan, hassle free and also got me a great interest rate. I can't recommend Nick and his team highly enough.
Reduce were very easy to work with, and they got us the lowest variable rate on the market - which is saving us thousands each year.Highly recommend. We'll definitely go with them again in the future.
Overall, we are happy with our experience at Reduce. We moved from another non-bank lender, who wouldn't move our rate, despite their new owner rates being much lower, and our loans under what we originally borrowed. Nick and the team from Reduce were very easy to deal with, and our rate has been competitive since we started with them.
Just refinanced with Reduce Home Loans. Better interest rates, staff have been nothing but helpful and easy process. Can't ask for more!
I had a fantastic experience dealing with Reduce Home Loans who provided finance for my SMSF to purchase an investment property in July 22. I was particularly impressed with Bryce Stimpson's helpfulness, knowledge, responsiveness, professionalism and pleasantness. I received an excellent rate and am happy I went with Reduce.
Using reduce loans has saved me a lot of money on our home loan. The staff are professional and caring, always easy to get in contact with and there to help with any questions you. The switch from one of the big 4 banks (wont name names of who was ripping us off!) was easy with reduce loans. I highly recommend anyone to get in contact and see how many money they can save you.
Reduce Loans were able to find us a much better home loan rate. The process was so easy and we were walked through every step. Everything was done online and the whole process was handled quickly. I would highly recommend working with Reduce Loans.
We secured a great loan with Reduce far below market rates of the large lenders. Was particularly impressed by their flexible banking style in setting up the loan and Nick Freeney was great to work with in the loan application. The only issue is the application process was longer and more admin intensive than some other loans so removing one star - but if you stick with it you can save a bunch over the life of the loan.
Guides for Refinancers, Home Buyers and Property Investors
There’s a lot to know about home loans. So we’ve put together some handy guides and tips to help you understand more about home loans.
Reduce Home Loans guides are free to view and download.
Home Loan Refinance Guide
- Why should you refinance?
- What are the costs of refinancing?
- How long is the refinance process?
- Common traps to avoid
- What documents you may need to refinance
First Home Buyers Guide
- First Home Buyer basics
- Finding the right property
- How to get approved for a home loan
- How to win at the auction
- Avoiding common first home buying mistakes
Investors Guide
- Benefits and risks of investing in property
- Choosing the right property
- What to look for in an investment loan
- Should you aim to pay down your mortgage quickly
- What is negative gearing
Construction Guide
Considering a Construction loan? Before you start looking for a home or investment property, there are several key details to consider such as:
Here are the key details to consider:
- What’s involved in a Construction Loan?
- What are Drawdowns/ Progress payments?
- How do Construction Valuations work?
- What additional documents do I need?
- What do you need to provide after approval?
- What is an owner builder?
- Use our document checklist to ensure you have everything you need.
Next Home Buyers Guide
- How do you know it’s time to buy your next property?
- Should you use bridging loans?
- Benefits and costs of purchasing an additional property
- Common traps to avoid
- Should you sell your first property before buying your next?
Owning your First Home Guide
Buying your first home can be exciting and overwhelming at the same time. We have provided this guide to assist you in preparing for the home buying journey and we will be here with you, every step of the way.
Here are the key details to consider:
- How much deposit should you have?
- Information on Grants available to First Home Buyers by State
- Choosing the right Home Loan for you
- Tips for Buying at Auction
- Preparing for Settlement
- Home Loan Application Checklist
The Borrowers Guide to Lending
This Borrowers Guide to Lending has been designed to assist you gain a better
understanding of how the lending process works. The mortgage process can be confusing and overwhelming at times, but when you understand the basic process, you will be much more prepared.
Here are the key details to consider:
- Talk to your Broker
- How to be prepared
- How much can I borrow?
- How much deposit do I require?
- What are the costs Involved in Buying a property?
- Types of Home Loans
Read more on hot topics
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.
Why choose Reduce?
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!
CalculatorsCompare 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