Why choose Reduce?

Hottest rates and online convenience

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    Leave your details and one of our Personal Finance Managers will contact you within one business day.

    What makes us special?

    We think it’s unfair that Aussies pay so much interest on their mortgages. Compare us with the Big 4 Banks and you’ll see you could save thousands on interest and repayments with Reduce Home Loans.

    You can also compare our different loan products directly, so you can see exactly what you’re getting with each of our loans.

    Let us share more about why you should apply for a home loan with Reduce.

    Our Mission – To Save You Thousands

    By choosing Reduce, you’re supporting our dream – the dream to revolutionise and disrupt the Australian home loan space. Not only with low rates, but high quality customer service where our team work to your needs.

    How are our rates so low, you ask? Reduce operates online, so we have no branches to service and maintain – passing the savings on to you.

    Our Promise – Top-Class Service

    When you apply with Reduce, you will speak to your own Personal Finance Manager, who will take the time to understand your needs and guide you through the application process.

    Your Personal Finance Manager will be your primary contact, so you don’t have to speak to a different person at a call centre every time. We work to your schedule, so you don’t have to worry about the hassle of scheduling face-to-face meetings. It’s as simple as picking up the phone.

    Our Experience – Industry Specialists

    Our team hold unparalleled experience in the mortgage market, recognised by our multi-award winning home loan products.

    You’ll get all the help you need from Reduce Home Loans. All of our Personal Finance Managers are fully accredited and qualified to offer you advice on your home loan options.

    Whether you’re a fresh First Home Buyer, or an avid and experienced property Investor, the team at Reduce will find a loan that’s right for you.

    Our Processes – Online Lending Convenience

    We’re transforming ourselves to make home loans easier for you. We’re continuing to improve our online processes to make your application experience as smooth and worry-free as possible.

    You can even chat directly with one of our qualified Personal Finance Managers on our Live Chat during business hours. Get a no-obligation, no-fee service to answer your lending questions and offer advice.

    Apply for your home loan online with confidence. Our operations are fully secure, and regularly monitored by consumer credit watchdog ASIC and industry supervisor APRA.

    Get to know what to expect applying for a home loan online. Read more about the Reduce Process.

    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 perfect 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.

    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!