Nick made the whole process smooth and stress-free from start to finish. He was easy to deal with, quick to respond, and always happy to answer our questions along the way.
We really appreciated the honest advice, clear communication, and support throughout the entire process.
Very happy with the outcome and would definitely recommend Nick and the team to anyone looking for a reliable mortgage broker.
He was responsive throughout the entire process — always available to answer questions (no matter how small) and quick to come back to us when timing really mattered. We were working to a tight deadline, and he brought a real sense of calm and clarity when we needed it most.
What impressed us most was how forthcoming Vaughan was from the outset. At our first meeting, he came prepared with clear options and a well-considered proposal, openly talked us through the pros and cons, and set realistic expectations. He then followed through exactly as outlined — with honest advice and solid execution every step of the way.
If you’re looking for a broker who is proactive, transparent and genuinely supportive, we wouldn’t hesitate to recommend Vaughan and Reduce Loans.
helpful and guided me to get a house so
im very thankfull with his support.
Excellent…I would give them my highest recommendation!
Ben Ithell was a pleasure to consult with, diligent and extremely professional throughout. Thanks Ben.
Thanks 👍
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 cannot recommend Reduce highly enough. 11 out of 10! Keep up the good worm 👍
Highly recommend. We'll definitely go with them again in the future.
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 Help Guides 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
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How Interest Rate Changes Affect Your Home Loan and What You Can Do About It
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How to Save for a Home Deposit: Practical Tips and Strategies
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The Pros and Cons of Interest-Only Home Loans
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How Often Should I Refinance My Home Loan?
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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