Hot SMSF rates


Self-Managed Super Fund Home Loan

Reduce Home Loans’ SMSF loan options are hot on the market now, with low rates and packed with features. Beat the banks and take control of your future, with SMSF variable comparison rates from 5.93%*


Metro 70% LVR: 5.49% p.a. Variable | 5.93%* p.a. Comparison

Metro 75% LVR: 5.99% p.a. Variable | 6.42%* p.a. Comparison

^ Metro Extra 70% LVR: 6.19% p.a. Variable | 6.73%* p.a. Comparison

# Regional 60% LVR: 6.89% p.a. Variable | 7.30%* p.a. Comparison


Investment purchase


Corporate Trustee Only

Loan Amount


Rate Based on

Funder’s postcode matrix

# If location is in a regional area, please note LVR is limited to 60% and variable interest rate is 6.89% | 7.30%* Comparison


Up to 30 years

Rate Options

Variable or Fixed Rate

^ # Fixed rate unavailable for Extra & Regional

Multiple Accounts

100% Offset with Debit Card


Half Yearly

Redraw Facility

Yes! no minimum via internet

Account Access

Internet & Phone transfer access to nominated account

Minimum Fund Balance


^ $0 Minimum balance for SMSF Metro Extra


Principal & Interest

Interest Only (add 1.00% to interest rate)


Weekly, Fortnightly or Monthly


Direct Debit Repayment drawn form a nominated account

Additional Repayments

Extra repayments may be made at any time without penalty

Liquidity requirement


^ 0% requirement for SMSF Metro Extra

Application Fee


^ 1.25% of loan amount for SMSF Metro Extra

Establishment Fee



Covers up to $330

Funder’s Legal Fees

$1485 Plus disbursements & Government charges

Annual Fee


Post approval

$150 Loan amendment fee for restructure of loan

$85 Solicitor re-document fee for restructure of loan

Settlement Fee


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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 repeatedly awarded 5 stars by Canstar and awarded Best of the Best Cheapest Home Loan 2016, 2017, 2018 and 2019 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.