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.

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 [...]

What is a Mortgage Offset Account?

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

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

How to Improve Your Credit Score In 5 Simple Steps Are you worried about your credit [...]

Tips on Buying Off Plan Properties

What does Buying Off Plan mean? Buying off plan is buying a property that are [...]

3 surprising facts I’ve learnt about the Australian property market

3 surprising facts I’ve learnt about the Australian property market Adam Smith – Finder.com.au As [...]

Say goodbye debt (and hello home loan) in seven straightforward steps

Say goodbye debt (and hello home loan) in seven straightforward steps It’s all too easy [...]

How redraw works and why it’s a handy loan feature

Redraw, a handy loan feature It’s one of the less glamorous home loan features, [...]

Finder Home Loans – 4 ways to reduce your risk as a property investor

4 ways to reduce your risk as a property investor Bessie Hassan | Money Expert [...]

Refinancing could save you thousands

Refinancing could save you thousands – and give you greater flexibility It’s often said that [...]

Finder Home Loans- Tax time: How to know what deductions you can claim Adam Smith

Finder.com.au Home Loans Editor, Adam Smith Tax time: How to know what deductions you can [...]

Buying Property With Other People: Mine, Yours or Ours?

BUYING PROPERTY WITH OTHER PEOPLE: MINE, YOURS OR OURS? When people buy property together, particularly [...]

HOW AN OFFSET ACCOUNT COULD CUT YEARS OFF YOUR HOME LOAN

OFFSET ACCOUNT COULD CUT YEARS OFF YOUR HOME LOAN Looking for ways to pay off [...]

Ana from Melbourne tells Channel Nine how she’s saving almost $400 a month by switching from ANZ to Reduce Home Loans.

Ana from Melbourne tells Channel Nine how she’s saving almost $400 a month by switching [...]

Australian's getting to work spending habit

Canstar Article: The Cost Of Having A Job: One Tenth Of Your Wage

The Cost Of Having A Job: One Tenth Of Your Wage Article by Sam Bloom from [...]

YOU’VE WON THE AUCTION – WHAT HAPPENS NEXT?

YOU’VE WON THE AUCTION – WHAT HAPPENS NEXT? Congratulations! You’ve just bought a property at [...]

TOP TIPS FOR YOUR NEXT PROPERTY INSPECTION

TOP TIPS FOR YOUR NEXT PROPERTY INSPECTION When you’re house hunting, it’s easy to get [...]

Steve Jovcevski’s 5 smart ways to give your home an equity boost

Steve Jovcevski’s 5 smart ways to give your home an equity boost How much [...]

SIX WINNING STRATEGIES FOR AUCTIONS

SIX WINNING STRATEGIES FOR AUCTIONS Auctions are competitive and stressful for most bidders. Here are six [...]

LOW-COST WAYS TO GIVE YOUR APARTMENT A MAKEOVER

Low Cost Ways To Makeover Your Apartment If your apartment is looking a bit tired [...]

Why location is crucial when buying an investment property

WHY LOCATION IS CRUCIAL WHEN BUYING AN INVESTMENT PROPERTY The first thing most of us [...]

How to add maximum value with renovations

HOW TO ADD MAXIMUM VALUE WITH RENOVATIONS Renovating is one of the best ways for [...]

Environmentally-friendly ways to cool your house

Ways To Cool Your House Without Air-Con

Ways To Cool Your House Without Air-Con Canstar article Posted by Justine Davies November 14, [...]

Building and using equity in your Home

Building and using equity in your Home Let’s face it your home is most probably [...]

Bessie Hassan Money Expert at finder.com.au

5 things I wish someone told me before I took out my mortgage

5 things I wish someone told me before I took out my mortgage Bessie Hassan [...]

There’s never been a better time to refinance

There’s never been a better time to Refinance Although it may only seem like yesterday [...]

How does an offset account work?

How does an offset account work? So most of us have heard the term ‘Offset [...]

Most Common Buying Bloopers

Most Common Buying Bloopers We can all agree that buying a property is one of [...]

Tips for Setting Achievable Financial Goals in 2016

Achievable Financial Goals in 2016 Many of you would have made some New Year’s resolutions [...]

Top Five Tips to Maintaining a Good Credit Score

Top Five Tips to Maintaining a Good Credit Score Your credit score is how you [...]

Five tips to reducing your debt and paying off your home sooner

Five tips to reducing your debt and paying off your home sooner Home ownership is [...]

Fixed or Variable

Fixed or Variable? Interest rates: To be flexible or to have security, that is the [...]

Reduce Home Loans top tips on refinancing

Reduce Home Loans Top Tips on Refinancing There are many things to consider before refinancing [...]

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