STRESS-FREE REFINANCING

Owner Occupied rates from

2.29%p.a. variable

2.32%*p.a. Comparison (4)

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REFINANCE YOUR HOME LOAN AND SAVE

Here to refinance your home loan? Reduce Home Loans has Australia’s hottest rates to keep you happy.

Refinance with confidence, with multi-award winning loans including Canstar 5 Star Rating and Money magazine’s Best of the Best Cheapest Home Loan for 5 years running! We’ll help you consolidate your debts with low rate, full-featured loans. When your refinance is settled, you’ll be paying way less in interest!

Need more advice? Our accredited Finance Managers can help you evaluate your debts, loans and overall finances. Give us a call on 1300 REDUCE (733 823).

Refinance home and debt - Reduce Home Loans

REFINANCE OWNER-OCCUPIED LOANS

Take advantage of a variable rate…

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 (5)
  • Up to 90% LVR plus LMI
  • Full redraw facility
  • $0 upfront fees^
MORE

Rate Lovers

2.49%
p.a. Variable
2.49%*
p.a. Comparison (2)
  • 100% offset available
  • Up to 80% LVR
  • Loan splits available
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

Or fix your owner occupied rate…

1 Year Fixed

2.19%
p.a. Variable
2.62%*
p.a. Comparison (18)
  • 1 year fixed repayments
  • 100% Offset available
  • Split loans available
More

2 Year Fixed

2.19%
p.a. Variable
2.58%*
p.a. Comparison (8)
  • Loans up to $3.5M
  • 100% Offset available
  • Available for construction
More

3 Year Fixed

2.19%
p.a. Fixed 3 years
2.54%*
p.a. Comparison (9)
  • Up to 90% LVR plus LMI
  • Optional offset account
  • Loans up to $3.5M
MORE

REFINANCE YOUR INVESTMENT LOAN

Investor Rate Slasher

2.79%
p.a. Variable
2.79%*
p.a. Comparison (14)
  • Free unlimited redraw
  • Optional offset account
  • Loan splits available
MORE

Investor Rate Lovers

2.79%
p.a. Variable
2.79%*
p.a. Comparison (3)
  • Loans up to $1.5M#
  • Offset account available
  • Full redraw facility
MORE

Investor Rate Buster

2.89%
p.a. Variable
2.89%*
p.a. Comparison (6)
  • Full redraw facility
  • Optional offset account
  • Construction available
MORE

Cash Back on Investment

with our new Investor Cash Back Hero

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

Find out more

Investor Cash Back Hero

2.99%p.a.
Variable Rate
2.99%p.a.*(21)
Comparison Rate
  • Cash Back available
  • $100% offset available
  • Split loans available
  • Full, free redraw
  • Borrow up to 90% incl LMI
Apply

2 Year Fixed P&I

2.49%
p.a. Fixed 2 years
2.97%*
p.a. Comparison (10)
  • Loan splits available
  • Up to 90% LVR plus LMI
  • Interest Only available
More

3 Years Fixed P&I

2.49%
p.a. Fixed 3 years
2.92%*
p.a. Comparison (11)
  • Up to 90% LVR plus LMI
  • Offset Account available
  • Principal & Interest
More

3 Years Fixed Interest Only

2.69%
p.a. Fixed 3 years
3.12%*
p.a. Comparison (13)
  • Interest Only
  • Offset account available
  • Loan splits available
  • 80% LVR
MORE
Calculators

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CALCULATORS
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