Your next home

Owner Occupied variable rates from

2.29%p.a. variable

2.32%*p.a. Comparison (1)

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LOW RATE LOANS FOR YOUR NEXT HOME

So you’ve already got a property to your name and you’re seeking a loan for your next home. You’re in luck! We’ve got the perfect home loan solution for your next property purchase.

Whether your next home is a downsize, upsize, or you’re moving across Australia, we’ve got great rate home loans for you. We certainly walk the talk, with our loans awarded 5 Stars by Canstar, and Money magazine’s Best of the Best 5 years running.

Want an offset account? How about Loan splits between fixed and variable rates? Our Finance Managers will be happy to help and are fully qualified to give home loan advice. Drop us a line at 1300 REDUCE (733 823).

Your Next Home - Reduce Home Loans

VARIABLE RATE OWNER-OCCUPIED LOANS

Cash Back Alert!

Introducing the new Cash Back Hero Variable Home Loan.

Receive $2,000 up to $10,000 Cash Back on purchases and refinances with Reduce Home Loans.

Find out more

Cash Back Hero Variable

2.59%p.a.

Variable Rate

2.59%p.a.*(20)

Comparison Rate

  • Cash Back available
  • $100% offset available
  • Split loans available
  • Full, free redraw
  • Borrow up to 90% incl LMI
Apply

Low Rider

2.29%
p.a. Variable
2.32%*
p.a. Comparison (1)
  • Up to 70% LVR
  • Full redraw facility
  • 100% Offset available
MORE

Rate Buster

2.45%
p.a. Variable
2.45%*
p.a. Comparison (6)
  • Up to 90% LVR plus LMI
  • 100% Offset available
  • Available for construction
MORE

Rate Lovers

2.49%
p.a. Variable
2.49%*
p.a. Comparison (2)
  • 100% offset available
  • Loans up to $1.5M#
  • Up to 80% LVR
More

Slash your rate!

Our hot Rate Slasher Variable offers flexible repayment options and a full, free electronic redraw facility.

100% offset account is optional, so you can customise your loan to how you want.

Rate Slasher

2.39%
p.a. Variable 
2.39%*
p.a. Comparison(4)
  • Borrow up to 80% of the property value
  • 100% Offset available
  • Full, free redraw
  • Borrow up to $3,500,000
Apply now

FIXED RATE OWNER-OCCUPIED LOANS

“Home Owners Dream”

1 Year Fixed

2.19%
p.a. Fixed 1 year
2.62%*
p.a. Comparison (18)
  • Loan splits available
  • Offset Account available
  • Construction available
More

2 Years Fixed

2.19%
p.a. Fixed 2 years
2.58%*
p.a. Comparison (8)
  • Loan splits available
  • Offset Account available
  • Construction available
More

3 Years Fixed

2.19%
p.a. Fixed 3 years
2.54%*
p.a. Comparison (9)
  • No ongoing fees^
  • Offset account available
  • Up to 90% LVR incl LMI
MORE

Want to buy, but haven’t found a place yet?

Get your finance pre-approved and be ready to buy.

Apply for a pre-approval

Investment Home Loans

Is your next purchase for an investment property? Check out our most popular low rate investment loan.

See all of our investment options.

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

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