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.

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

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 [...]

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 [...]

Canstar Home Loans NSW Premier Announces Stamp Duty Concessions For First Home Buyers

NSW Premier Announces Stamp Duty Concessions For First Home Buyers Posted by James Hurwood June [...]

Government To Reduce Pressure on Housing Affordability for FHBs

Reduce Pressure on Housing Affordability First Home Super Saver Scheme Go to Australian Budget 2017/2018 [...]

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, [...]

Got any questions?

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WHO IS REDUCE HOME LOANS?

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

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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