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    Funded and managed by
    Reduce Home Loans
    Based on 627 reviews
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    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.

    We’re a multi-award winning lender… for a good reason!

    We’re proud to be named Australia’s Cheapest Home Loan by Money magazine, but that’s not the only award we’ve got under our belt. Awards are judged by industry experts and help you make a better decision when it comes to products and services. They’re the nod that motivates us.

    Check out more of our awards and see how Reduce performs in the home loan space.

    MONEY MAGAZINE – Best of the Best Cheapest Home Loan | 2016 – 2021

    Money Magazine work together with independent comparison sites to determine the financial products and services offering the best value to consumers.

    The Best of the Best awards recognise just that – the best of the best when it comes to product value. The awards help to simplify the decision-making process for consumers when choosing a home loan product.

    Money Magazine Best of the Best Cheapest Flexible Loan 2020
    Money Magazine 2019 Best of the Best Cheapest Home Loan
    Money Magazine 2018 Best of the Best Cheapest Home Loan
    Money Magazine 2017 Best of the Best Cheapest Home Loan
    Money Magazine 2016 Best of the Best Cheapest Home Loan

    RATE CITY – Gold Awards | 2020 – 2022

    Independent financial comparison site RateCity initiated the inaugural RateCity Gold Awards in 2020. The Gold Awards recognise specific products that have consistently performed among the best in value in their respective categories.

    RateCity utilises a unique Real Time Ratings™ system to help consumers make more informed financial decisions. The ratings take into account all rate, fee and feature changes in real time to deliver the most accurate comparisons at any time.

    CANSTAR – 5 Stars for Outstanding Value | 2015 – 2021

    Canstar is one of the leading Australian financial comparison websites. Canstar issues its Star Rating Report every six months, identifying the top performers in finance from credit cards to super institutions to home loans.

    Using unique methodology, Canstar helps consumers identify financial products and services with the best value around. Products with a 5-Star Rating represent outstanding value in their category. Canstar rates over 3,000 products from over 80 providers offering home loans.

    Canstar 2019 Outstanding Value - Owner Occupied Variable Home Lender
    Canstar 2019 Outstanding Value - Overall Investment Home Lender
    Canstar 2019 Outstanding Value - Investment Variable Home Lender
    Canstar 2018 Outstanding Value - Owner Occupied Variable Home Lender
    Canstar 2018 Outstanding Value - Investment Variable Home Lender
    Canstar 2017 Outstanding Value - Investment Variable Home Loan
    Canstar 2017 Outstanding Value - Owner Occupied Variable Home Loan
    Canstar 2016 Outstanding Value - Owner Occupied Variable Home Loan
    Canstar 2015 Outstanding Value - Owner Occupied Variable Home Loan

    MOZO – Expert’s Choice Award | 2017 – 2021

    Online comparison website Mozo helps Australians make better decisions when it comes to home loans and other financial services. Mozo offers transparent comparisons of home loans for over 80 financial institutions nationwide.

    For over 7 years, the Mozo Expert’s Choice Awards have recognised products and services that stand out in the home loan space. They highlight products offering the greatest value, best features and innovation in home lending.

    Mozo Expert's Choice Awards 2019 Variable Investment Home Loan
    Mozo Expert's Choice Awards 2019 Split Home Loan
    Mozo Expert's Choice Awards 2019 First Home Buyer Loan
    Mozo Expert's Choice Awards 2018 Offset Home Loan
    Mozo Expert's Choice Awards 2018 Low Cost Home Loan
    Mozo Expert's Choice Awards 2017 Offset Home Loan

    FINDER – Best Home Loan | 2017 – 2021

    Finder is one of Australia’s leading comparison hubs for financial products and services. Finder helps consumers make sense of complex decisions when comparing financial products and service providers.

    The Finder Awards highlight the most competitive products on the market. For over 5 years, Reduce Home Loans has stayed prominent among both winners and finalists across multiple home loan categories.

    Finder Awards 2018 Finalist - Best Owner Occupied Variable Home Loan
    Finder Awards 2018 Finalist - Best Investment Variable Home Loan P&I
    Finder Awards 2017 Winner - Best Owner Occupied Variable Home Loan
    Finder Awards 2017 Winner - Best Investment Variable Home Loan

    YOUR MORTGAGE – Mortgage of the Year | 2009 – 2011

    your mortgage 2011 silver awards
    your mortgage 2011 bronze award
    your mortgage 2010 gold award
    your mortgage 2010 silver award
    your mortgage 2010 bronze award
    your mortgage 2010 editors choice award

    BADCREDIT.ORG – Editor’s Choice 2018

    Badcredit,org Editor's Choice - our awards

    Got any questions?

    You can simply call us on 1300 REDUCE (733 823) to speak to a qualified Personal Finance Manager

    Or check out our FAQ page for more commonly asked questions.


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

    Want to know more? Read more about us.

    Find the Cheapest Home Loan that’s right 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.

    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!



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