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    Reduce Home Loans
    Based on 632 reviews
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    trevor robinsontrevor robinson
    15:43 20 Jun 24
    2 months of requesting document after document and poor response times to emails. I withdraw my application and went direct to a bank to cut out the middle man. What a waste of time and effort
    Darryl MurphyDarryl Murphy
    00:43 04 May 24
    Got a great rate and the team worked hard to get the job done. Kept us up to date the whole way through the process.
    We were so impressed with Ben Ithell, he is knowledgeable, patient and worked really hard getting us an amazing deal that 8 other brokers I called said they couldn’t even touch due to our unusual circumstances. Please give Ben a call and have a chat he is very honest and will tell you straight up if he thinks he can help. Highly recommend him!
    Sahn MillsSahn Mills
    00:47 17 Apr 24
    sara yuansara yuan
    03:52 18 Mar 24
    Working with Ben Ithell and his team was a great experience. The team was very knowledgeable and patient with my questions. They were always on time and reply my emails quickly.Excellent…I would give them my highest recommendation!
    Mark JohnstonMark Johnston
    01:37 06 Feb 24
    Ben Ithell was fantastic, laid all my options out for me. Got me good deal especially considering the unusual circumstances I was in. He kept me up to date, communicated well and was always available to help as I needed it.
    craig kimptoncraig kimpton
    10:02 18 Jan 24
    Professional staff that keep you well informed throughout the process, and provide great savings with lower rates.Ben Ithell was a pleasure to consult with, diligent and extremely professional throughout. Thanks Ben.
    vineet sagarvineet sagar
    08:06 16 Jan 24
    Vaughan Enright was great to deal with. Not only he is well versed with all the home loan technicalities, he also has soft skills to deal with not so knowledgeable people like myself. Communication was outstanding with emails/calls immediately being answered.
    Angie ChuAngie Chu
    11:16 09 Jan 24
    Thank you Reduce Home Loans! If we could give more than five stars, we would. Especially to Ben Ithell whose professionalism and help throughout the entire process was second to none. He is genuinely attentive, caring and a patient customer service/finance manager! We would certainly recommend him to anyone!
    Havea ValaHavea Vala
    16:41 08 Jan 24
    Jonathan DoddJonathan Dodd
    06:47 02 Jan 24
    Amazing experience, I cannot recommend this company or Kurt more. He found a path forward when multiple brokers (at other companies) could not make it work. Kurt does not mess around and I wholeheartedly recommend him if you need to get a loan.
    Alex JenkinsAlex Jenkins
    03:46 21 Dec 23
    I used Kurt Trendle from Reduce Home Loans when completing my refinance. I found him to be extremely helpful, patient and found the right loan for me. I found the whole process to be extremely easy with Kurt. Thanks again!
    Patrick SimonettiPatrick Simonetti
    13:25 22 Nov 23
    Kurt was excellent to deal with. Great customer service, very helpful and experienced. One of the best rates on the market.
    Kate EverettKate Everett
    08:27 08 Nov 23
    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.
    Patrick DawsonPatrick Dawson
    05:55 30 Oct 23
    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 👍
    Rina WRina W
    23:27 28 Sep 23
    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!
    Dev GovekarDev Govekar
    23:10 24 Sep 23
    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
    Hin LHin L
    06:42 07 Sep 23
    Zachary has been fantastic through out the whole process.
    James ZhangJames Zhang
    07:43 21 Aug 23
    Kurt was phenomenal, very knowledgable, patient and communicative across the entire process. Can't recommend them highly enough.
    Melanie MaclureMelanie Maclure
    04:35 10 Aug 23
    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.
    Wendy ReevesWendy Reeves
    02:23 03 Aug 23
    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!
    Brad GosbellBrad Gosbell
    07:41 21 Mar 23
    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 👍
    Richard WRichard W
    04:34 20 Mar 23
    Prompt customer service and staightforward process. Access to great rates. Clear communication. Loan settled without problems and would definitely use them again.
    Kumbi MKumbi M
    04:06 20 Nov 22
    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!!
    Michelle DavisMichelle Davis
    21:15 15 Sep 22
    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.
    Goran MaricGoran Maric
    03:46 15 Sep 22
    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.
    David ElmerDavid Elmer
    10:05 30 Aug 22
    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.
    Jon McilveenJon Mcilveen
    06:52 11 Aug 22
    Just refinanced with Reduce Home Loans. Better interest rates, staff have been nothing but helpful and easy process. Can't ask for more!
    Chris LimChris Lim
    07:55 04 Aug 22
    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.
    Peta GeakePeta Geake
    02:41 04 Aug 22
    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.
    Amanda BeresfordAmanda Beresford
    20:09 16 Jun 22
    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.
    Matt HingstonMatt Hingston
    00:42 16 Jun 22
    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.

    Seen us around?

    News, articles, the papers … media speaks for itself. Here you can find mention of Reduce’s great home loan rates across a variety of media channels.

    You can beat the banks with our competitive home loan rates; advocated by news and media across Australia as the cheapest home loan rate in town.

    How to save thousands on your mortgage amid rising interest rates

    Even with interest rates on the rise and more pain expected to [...]

    Top 20 NSW suburbs where you can save thousands by refinancing

    Homeowners in a number of suburbs could save hundreds of thousands of [...]

    Save up to $361k by refinancing if you live in these 20 suburbs

    Aussies who live in these suburbs could save hundreds of thousands by [...]

    Refinancing has greatest impact in mortgage belt suburbs

    BUYERS looking to refinance their homes stand to see the greatest savings [...]

    Reduce Home Loans winner of 5 RateCity Gold Awards

    As the home loan rate war rages on, leading low rate lender, [...]

    4 More Reasons to Switch to Reduce Home Loans

    Canstar has released its bi-annual Star Ratings report, recognising Reduce Home Loans [...]

    Still the cheapest variable rate home loan

    The home loan interest rate battle rages on with more competitive rates [...]

    Reduce Home Loans offers cashback with rates below 2%

    Are you thinking about switching your home loan? Or currently just shopping [...]

    Can you save more by refinancing to an online lender?

    One of the top reasons to switch home loans or refinance is [...]

    Cheapest home loans on offer in July 2021

    With the ongoing surge in property prices, finding the most cheapest home [...]

    Reduce Home Loans awarded Non-Bank Home Lender of the Year 2021

    Reduce Home Loans has been recognised as the Non-Bank Home Lender of [...]

    Reduce Home Loans Non-Bank Home Lender of the Year

    At a time that was difficult for so many businesses, Reduce Home [...]

    Reduce Home Loans continues to roll out home loan value with more Canstar 5 Star Ratings!

    Yesterday Canstar awarded Reduce Home Loans a hot 5-Star Rating for Outstanding [...]

    Reduce Home Loans winner of 5 RateCity Gold Awards

    Leading low-rate lender, Reduce Home Loans, is the winner of five awards [...]

    Reduce Home Loans breaks records with the cheapest home loan rate in Australia

    As the home loan rate war rages on, leading lowest lender, Reduce [...]

    Record Rate – The lowest Australia has ever seen

    Reduce Home Loans has smashed the home loan market again with a [...]

    This is how to secure the lowest home loan rate in Australia

    Spring has sprung in Australia, and it’s not just the weather that’s [...]

    Revealing the newest record low rate from Reduce Home Loans

    As home loan interest rates continue to fall, Reduce Home Loans has [...]

    Introducing the new Super Saver Variable

    Reduce Home Loans has unveiled its lowest variable rate yet with our [...]

    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 [...]

    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 [...]

    Bank loyalty doesn’t pay; refinance and save

    With home loan rates the lowest they’ve ever been, most Aussies could [...]

    House prices on the rise in 2020

    Property prices across the country are showing a rising trend, with the [...]

    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 [...]

    Do you know your Interest Rate?

    75% of Australians do not know their home loan interest rate, according [...]

    Home Loan Rates Falling Under 3%

    Hottest Home Loan Rates Under 3 % While most banks are not [...]

    Checking Your Home Loan – A Million Dollar Decision

    It pays to shop around for the best rates you can get! [...]

    June 2019 Rate Cut Frenzy

    Battle of the lenders Reduce Home Loans continues to lead the pack [...]

    We’ve Slashed Interest Rates Following Today’s RBA Announcement

    Reduce is offering the full 0.25% drop after RBA slashed interest rates [...]

    Pull our finger

    Give us a chance to show off our awards, including Money magazine’s Best of the Best Cheapest Home Loan 2016-2019, and 5 Stars for consumer value as rated by Canstar, 5 years running.

    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.


    Compare rates, features and fees across all our home loans in this easy table.