Your next home

Owner Occupied variable rates from

1.99%p.a. Variable

2.05%p.a. Comparison*

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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

    Super Saver

    1.99%
    p.a. Variable
    2.05%*
    p.a. Comparison

    • $0 upfront fees!
    • Full redraw facility
    • Unlimited extra repayments
    MORE

    Low Rider

    1.99%
    p.a. Variable
    2.06%*
    p.a. Comparison

    • Up to 75% LVR
    • 100% Offset available
    • Interest Only repayments available
    MORE

    Rate Lovers

    2.29%
    p.a. Variable
    2.36%*
    p.a. Comparison

    • 100% offset available
    • Loans up to $1.5M#
    • Up to 80% LVR
    More

    Minimum 10% deposit… and no fees?!

    Our hot Rate Slasher Variable is now available for up to 90% LVR, with $0 upfront fees!

    With flexible repayment options and optional 100% offset account, you can customise your loan to how you want.

    Rate Slasher 90

    2.49%
    p.a. Variable 
    2.51%*
    p.a. Comparison

    • Borrow up to 90% plus LMI
    • 100% Offset available
    • Full, free redraw
    • Borrow up to $1,000,000
    Apply now

    FIXED RATE OWNER-OCCUPIED LOANS

    “Home Owners Dream”

    1 Year Fixed

    1.94%
    p.a. Fixed 1 year
    2.71%*
    p.a. Comparison

    • $0 upfront fees!
    • Offset Account available
    • Construction available
    More

    2 Years Fixed

    1.94%
    p.a. Fixed 2 years
    2.65%*
    p.a. Comparison

    • $0 upfront fees!
    • Offset Account available
    • Construction available
    More

    3 Years Fixed

    1.99%
    p.a. Fixed 3 years
    2.61%*
    p.a. Comparison

    • No ongoing fees^
    • Offset account available
    • Up to 90% LVR plus 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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