seven-news-logo 7 News Investigation: Home Loans

Financial experts say there’s never been a more opportune time to push for a better deal on your mortgage. Click Here to watch the story. 

Reduce Home Loans where reducing rates is just the start.

Reduce Home Loans is a multi award winning Australian Owned and Operated Home Loan Company. Since 2010 we have been passionate about helping our clients find not only the lowest Interest rates on the market but Home loans that are tailored to their individual needs. Our Home Loan range has been awarded 5 stars by Canstar and awarded Best of the Best Cheapest Home Loan by Money Magazine.

Personal Service.

We understand that applying for a Home Loan can sometimes be quite stressful or over whelming. That’s why at Reduce Home Loans you will be assigned your own personal finance manager to guide you and be available throughout the process. Nobody fights harder for the best deal and lowest rates than Reduce, and this absolute commitment is evident in our jaw-dropping suite of solutions. Our rates are not only incredibly low, we can provide loans for investment, residential property, construction or consolidation of debt. Even if you don’t fit the Banks prescriptive profile, we are still committed to helping you achieve your goals.

Rate Buster 100% Offset Variable Home Loan


3.54% p.a. Variable
3.54% p.a.* Comparison Rate


Owner Occupied


Personal,Company, Unit and Discretionary Trust

Loan Amount


Add 0.25% for loans above $750,000 up to $1,500,000

Rate Based on

80% LVR for Purchases Owner Occupied
80% LVR for Refinance Owner Occupied

Add .25% for above 80% up to 90% including LMI


Up to 30 years

Rate Options


Multiple Accounts

100% Offset with Visa Debit Card, Loan splits available


Half Yearly

Redraw Facility

Yes! no minimum via internet

Account Access

Internet & Phone transfer access to nominated account


Principal & Interest


Fortnightly or Monthly


Direct Debit Repayment drawn form a nominated account
Salary Credit Wages directly credited into account

Additional Repayments

Extra repayments may be made at any time without penalty
Deposit Book available


You may be eligible for a discount after 5 years of good payment conduct, Speak to your credit representative for more information.

Application Fee


Establishment Fee



Free Up to $440

Legal Fees

At cost EST $330

Annual Fee


Settlement fees


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