Investor Rate Buster

Investment Home Loan

2.89% p.a. Variable

2.92% p.a. Comparison*

Apply Now

    Leave your details and one of our Personal Finance Managers will contact you within one business day.

    Your preferred contact time^




    Go ahead, compare us with the Big 4!

    ENQUIRE TODAY >

    Call me back!

      Leave your details and one of our Personal Finance Managers will contact you within one business day.

      Your preferred contact time^




      THE BASICS
      Rate2.89% p.a. Variable
      2.92%* p.a. Comparison
      PurposeInvestment
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$50,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVR80% for purchase or refinance
      90% available including LMI - add 0.10% to rate
      Loan TermUp to 30 years
      Rate OptionsVariable
      Available for ConstructionYes
      Add 0.10% to rate
      Refer to your Finance Manager for construction fees
      FEATURES
      Multiple Accounts100% offset available at $10/month
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest.
      Add 0.30% to rate for Interest Only
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsVariable Rate – Extra repayments may be made at any time without penalty
      FEES
      Application Fee$0
      Establishment Fee$0
      Third Party Valuation Fee$0 - Covers up to $250
      ^Loan amounts under $300,000 incur Valuation Fee at cost, estimate $250
      Third Party Legal Fees$0 - Covers up to $297
      Does not cover government charges, Funder's Contract Processing fee & PEXA fee
      ^Loan amounts under $300,000 incur legal fees at cost, estimate $297
      Does not cover government charges, Funder's Contract Processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0
      Calculators

      CRUNCH THE NUMBERS

      Handy home loan calculators

      CALCULATORS
      Take off with the Reduce Process

      THE REDUCE PROCESS

      Launch your loan journey

      Our process
      Lending FAQ

      MORE ABOUT OUR LOANS

      See our FAQ for easy answers

      lending faq