SMSF Home Loans

Refinance with our full-featured SMSF from

6.89% p.a. Variable

6.99% p.a.* Comparison

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Reduce Home Loans

4.5

Based on 651 reviews

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Samantha Riches

3 months ago

Bryce was fantastic throughout our new home process. He was very knowledgeable and helpful and made everything seem easy. He provided expert help throughout guiding us, was very proactive in making sure all deadlines were met and was always contactable. I would not hesitant to recommend Bryce.

Cheyne Brooke

3 months ago

Bryce Stimpson assisted us with our recent home loan and made the entire process stress free and smooth. I would highly recommend Bryce to anyone looking to buy and offer peace of mind that you will be taken care of from day one through till settlement.

Geuna Lim

4 months ago

We’ve used Nick Freney and the team at Reduce Home Loans for both our first home purchase and our refinance, and both experiences were excellent.
Nick made the whole process smooth and stress-free from start to finish. He was easy to deal with, quick to respond, and always happy to answer our questions along the way.
We really appreciated the honest advice, clear communication, and support throughout the entire process.
Very happy with the outcome and would definitely recommend Nick and the team to anyone looking for a reliable mortgage broker.

Kels O

6 months ago

Worked with Bryce twice now and had a great experience both times! We are based in Victoria and it was a really easy experience

Janine J

7 months ago

We had an excellent experience working with Vaughan as our mortgage broker for our first SMSF purchase. From our very first meeting, he was clear, confident and incredibly knowledgeable, which gave us immediate reassurance that we were in good hands.
He was responsive throughout the entire process — always available to answer questions (no matter how small) and quick to come back to us when timing really mattered. We were working to a tight deadline, and he brought a real sense of calm and clarity when we needed it most.
What impressed us most was how forthcoming Vaughan was from the outset. At our first meeting, he came prepared with clear options and a well-considered proposal, openly talked us through the pros and cons, and set realistic expectations. He then followed through exactly as outlined — with honest advice and solid execution every step of the way.
If you’re looking for a broker who is proactive, transparent and genuinely supportive, we wouldn’t hesitate to recommend Vaughan and Reduce Loans.

Elizabeth L

10 months ago

We got out latest mortgage through Mortgage Ezy and couldn't be happier. The interest rate was great and customer service excellent. Vaughn was very knowledgeable and made the process easy, supporting us throughout. He was very friendly, helpful and professional and answered all our questions, even after the loan settled. Thanks so much Vaughn, we will definitely be back.

Jordan Stimpson

10 months ago

Bryce from Reduce Home Loans has been fantastic to deal with. From our home loan to a personal loan, he is efficient and takes away the stress getting things done in a timely manner. Highly recommend!

Kingswaysydney

11 months ago

Vaughan Enright did a terrific job organizing our challenging SMSF mortgage. Despite the complexity, his expertise, patience, and accuracy made the process smooth and stress-free. We really appreciate his speedy actions, clear communication, and professional approach throughout. Highly recommended for anyone needing a knowledgeable and reliable finance broker!

Vinnie Bundhoo (Vinnie)

2 years ago

I just wanted to take a moment to thank Vaughan and the team for all their hard work in securing my home loan. Vaughan's professionalism, expertise and commitment made the entire process so much smoother and less stressful for me and my partner. Thank you for going beyond and above - will recommend your service to family and friends.

AJK43

2 years ago

i had struggle to find a house which is under my budget and finally i founded and Mr Kurt had been very
helpful and guided me to get a house so
im very thankfull with his support.

Simon Grant

2 years ago

We dealt with Vaughan when we refinanced - he was very helpful explaining the ins and outs of the process and pros and cons of each lender. Would highly recommend him if you're thinking about refinancing!

Dipak Patel

2 years ago

Connor Newson was really helpful from start to finish and very easy to communicate. He provided excellent service. Thanks to him.

Jordan Crisp

2 years ago

I can’t say enough good things about Nick from reduced home loans. From the very start, he made the mortgage process feel smooth and straightforward. He took the time to understand our needs, explained every option clearly, and answered all of our questions patiently. I really appreciated how responsive him and his team were, keeping us updated at every step and making sure we felt confident in our decisions. With their help, we found a great rate and closed on time with no surprises. Highly recommend Nick for anyone looking for a knowledgeable, friendly, and reliable mortgage broker!

Brad McGill

2 years ago

Reduce Home Loans saved the day for me! Most other lenders were not willing to lend against my property, but Reduce home loans did the work to understand the deal and found a way to make it work. I couldn't be happier with the outcome, thanks for your awesome advice!

Micheal Enerst

2 years ago

Darryl Murphy

2 years ago

Got a great rate and the team worked hard to get the job done. Kept us up to date the whole way through the process.

Nicole and Jason Coghlan

2 years ago

We were so impressed with Ben Ithell, he is knowledgeable, patient and worked really hard getting us an amazing deal that 8 other brokers I called said they couldn’t even touch due to our unusual circumstances. Please give Ben a call and have a chat he is very honest and will tell you straight up if he thinks he can help. Highly recommend him!

Sahn Mills

2 years ago

sara yuan

2 years ago

Working with Ben Ithell and his team was a great experience. The team was very knowledgeable and patient with my questions. They were always on time and reply my emails quickly.
Excellent…I would give them my highest recommendation!

Mark Johnston

3 years ago

Ben Ithell was fantastic, laid all my options out for me. Got me good deal especially considering the unusual circumstances I was in. He kept me up to date, communicated well and was always available to help as I needed it.

craig kimpton

3 years ago

Professional staff that keep you well informed throughout the process, and provide great savings with lower rates.
Ben Ithell was a pleasure to consult with, diligent and extremely professional throughout. Thanks Ben.

vineet sagar

3 years ago

Vaughan Enright was great to deal with. Not only he is well versed with all the home loan technicalities, he also has soft skills to deal with not so knowledgeable people like myself. Communication was outstanding with emails/calls immediately being answered.

Angie Chu

3 years ago

Thank you Reduce Home Loans! If we could give more than five stars, we would. Especially to Ben Ithell whose professionalism and help throughout the entire process was second to none. He is genuinely attentive, caring and a patient customer service/finance manager! We would certainly recommend him to anyone!

Havea Vala

3 years ago

Jonathan Dodd

3 years ago

Amazing experience, I cannot recommend this company or Kurt more. He found a path forward when multiple brokers (at other companies) could not make it work. Kurt does not mess around and I wholeheartedly recommend him if you need to get a loan.

Alex Jenkins

3 years ago

I used Kurt Trendle from Reduce Home Loans when completing my refinance. I found him to be extremely helpful, patient and found the right loan for me. I found the whole process to be extremely easy with Kurt. Thanks again!

Patrick Simonetti

3 years ago

Kurt was excellent to deal with. Great customer service, very helpful and experienced. One of the best rates on the market.

Kate Everett

3 years ago

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 Dawson

3 years ago

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 W

3 years ago

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 Govekar

3 years ago

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 L

3 years ago

Zachary has been fantastic through out the whole process.

James Zhang

3 years ago

Kurt was phenomenal, very knowledgable, patient and communicative across the entire process. Can't recommend them highly enough.

Melanie Maclure

3 years ago

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 Reeves

3 years ago

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 Gosbell

3 years ago

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 W

3 years ago

Prompt customer service and staightforward process. Access to great rates. Clear communication. Loan settled without problems and would definitely use them again.

Kumbi M

4 years ago

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 Davis

4 years ago

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 Maric

4 years ago

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 Elmer

4 years ago

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 Mcilveen

4 years ago

Just refinanced with Reduce Home Loans. Better interest rates, staff have been nothing but helpful and easy process. Can't ask for more!

Chris Lim

4 years ago

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 Geake

4 years ago

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 Beresford

4 years ago

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 Hingston

4 years ago

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.

SMSF Home Loans – Refinance or Eligible Purchase with Confidence

Take control of your super with Reduce’s full-featured SMSF loans. Whether you’re looking to refinance or purchase an eligible property through your Self-Managed Super Fund (SMSF), we provide competitive rates, personal service, and streamlined approvals.

Apply Now or call 1300 205 134 to speak with a Personal Finance Manager.

Why Choose Reduce for Your SMSF Loan?

✅ Low Variable Rates from 6.89% p.a. (6.99%* comp rate)
✅ Zero application, annual or ongoing fees (limited time)
✅ Up to 75% LVR* on residential investment properties
✅ 100% Offset Facility (Variable Only with limited transactional ability)*
✅ Personal Finance Manager assigned to every loan
✅ Streamlined process from application to settlement

Compare rates and estimated upfront fees

SMSF Program	Rates From Comp Rate	Max LVR	Estimated Total Fees
Ezy SMSF	6.89% p.a. 6.99%* p.a.	90%*	$899 (Excluding gov. charges)
Capitalizer SMSF	6.99% p.a. 7.11%* p.a.	80%*	$1535 (Excluding gov. charges)
Capitalizer Refinance SMSF	6.99% p.a. 7.06%* p.a.	80%*	$0 for Refinance only (Excluding gov. charges)
Ezy Commercial SMSF	7.49% p.a.	80%*	$2,105 (Excluding gov. charges)

SMSF Program	Rates From p.a. Comp Rate From* p.a.	Max LVR	Est Total Fees
Ezy SMSF	6.89% 6.99%*	90%*	$899 (Excluding gov. charges)
Capitalizer SMSF	6.99% 7.11%*	80%*	$1,535 (Excluding gov. charges)
Capitalizer Refinance SMSF	6.99% 7.06%*	80%*	$0 for Refinance only (Excluding gov. charges)
Ezy Commercial SMSF	7.49% p.a.	80%*	$2,105 (Excluding gov. charges)

What is a Self-Managed Superannuation Fund or SMSF?

An SMSF is a private superannuation fund regulated by the Australian Taxation Office (ATO). It’s managed by its members — who are also its trustees — and can have up to six members. Trustees are legally responsible for running the fund in accordance with superannuation laws.

The SMSF must exist solely to provide retirement benefits to its members or their dependants.

Why Borrow Through SMSF?

🔹 Build your retirement wealth through strategic property investment
🔹 Leverage your super savings without touching personal finances
🔹 Control your fund’s asset mix and growth
🔹 Take advantage of rental income and capital growth
🔹 Access potential tax benefits inside super

Compare SMSF Loan Features

Feature	Reduce SMSF Loans
Residential or Commercial Property	✅ Residential (up to 90% LVR)
Offset Account	✅ Available (100%)
Interest Only Option	✅ Available
Additional Repayments	✅ Allowed

How SMSF Loans Work

Your SMSF identifies an eligible property to invest in
A bare trust is set up to legally hold the property
Your SMSF pays the deposit and borrows the rest
Your fund receives rental income and repays the loan
Once fully repaid, the property title transfers to the SMSF

This structure protects your fund from broader exposure while allowing property growth inside super.

Who Can Qualify for an SMSF Loan?

To be eligible, your SMSF typically needs:

Minimum fund balance of $200,000+
Compliant trust deed allowing eligible property investment and borrowing
Clear investment strategy aligned with an eligible property purchase
Liquidity buffer post-purchase (10–20%+ recommended)
Consistent member contributions and strong serviceability

Why Borrow Through SMSF?

FAQ – SMSF Loans

Can I refinance an existing SMSF loan with Reduce?
Yes. Our Ezy SMSF Refinance option makes switching easy, with no ongoing fees and competitive rates.

What is a bare trust and why do I need one?
A bare trust holds legal title of the property while your SMSF repays the loan. It’s required under LRBA rules.

Can I get an offset account with an SMSF loan?
Yes — Reduce offers a 100% offset account (terms apply).

What if my SMSF can’t meet repayments?
Under LRBA, the lender can only claim the property — not other SMSF assets — limiting your exposure.

Ready to Take the Next Step?

📞 Call 1300 205 134 to talk to a Personal Finance Manager
📨 Or Apply Online and get your SMSF loan journey started today

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