Our range of home loans covers Owner Occupiers, Investors, and home owners looking to build a house. 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.
Have your cake and eat it too with a great rate home loan and $1,000 up to $10,000 cash back. A loan with the flexibility of extra repayments, redraw and 100% offset available, it just makes sense. For first home buyers, saving up a property deposit is arguably the most difficult process. Lockdowns and restrictions across Australia have been challenging for everyone involved, but for would-be buyers.
Have your cake and eat it too with a great rate home loan and $1,000 up to $10,000 cash back. A loan with the flexibility of extra repayments, redraw and 100% offset available, it just makes sense. For first home buyers, saving up a property deposit is arguably the most difficult process. Lockdowns and restrictions across Australia have been challenging for everyone involved, but for would-be buyers.
Services
At Reduce Home Loans, we offer a wide variety of home loan products with variable and fixed interest rates, great features and loan options. You can apply for a home loan online with confidence at Reduce. Our home loan products are multi award winning, including Money magazine's Best of the Best Cheapest Home Loan 6 years running, and 5 Stars by Canstar.
Here to refinance your home loan? Reduce Home Loans has Australia's best refinance home loans and the 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 6 years running!
There's a lot to compare across different home loan products. Rates, features terms and fees. Here you can find a quick and easy comparison between our Owner Occupier and Investment loans across fixed and variable rate options. We're here to help you determine which home loan product is best for you with the perfect features you need.
Ready to buy your First Home? No doubt, you're excited to take the first step in achieving the Australian Dream of owning your own home. There's no other feeling like settling down in your very own home. Before you dive in, crunch the numbers or simply give us a call and find how you can achieve a low rate home loan.
So you've already got a property to your name and you're seeking a loan for your next home. You're in luck! We've got the perfect home loan solution for your next property purchase. Whether your next home is a downsize, upsize, or you're moving across Australia, we've got great rate home loans for you.
Reviews (15)
Amanda Morgan
Nov 25, 2021
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Wade Tubbers
Nov 24, 2021
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Clera Landers
Nov 24, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
I have a low credit score and they helped me find a loan with a great interest rate! Overall process was super easy and they gave me peace of mind and it was the most stressless loan application process I have been through! Couldn’t be happier! Thank you!
I have a low credit score and they helped me find a loan with a great interest rate! Overall process was super easy and they gave me peace of mind and it was the most stressless loan application process I have been through! Couldn’t be happier! Thank you!
Dominique
Nov 13, 2021
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The refinance process was lengthy and there were a few hiccups with settlement that were stressful, but our finance manager Leon was great, always responded quickly and sorted out all the issues in the end. Was definitely worth the effort and stress to get such low interest rates, we are now saving over $1000 per month from our previous loans! Super happy we made the switch.
Tegan Kearney
Nov 12, 2021
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Positive: Value
We are so happy with Reduce, we have saved hundreds of dollars already in just a few months and will save tens of thousands over the life of the loan. It was so much easier doing everything over phone, video calls and email rather than trying to get us both in a bank office at the same time. Highly recommend!
We are so happy with Reduce, we have saved hundreds of dollars already in just a few months and will save tens of thousands over the life of the loan. It was so much easier doing everything over phone, video calls and email rather than trying to get us both in a bank office at the same time. Highly recommend!
Clera Malachi Maya
Nov 04, 2021
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Paige Harrison
Oct 27, 2021
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Maria D.
Oct 26, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Dane at Reduce was fabulous to deal with. He was fast to respond to our requests and worked hard to obtain the best rate. We have used Reduce previously and didn’t hesitate to return for a second loan a few years later. I have so far referred them to a few mates.
Dane at Reduce was fabulous to deal with. He was fast to respond to our requests and worked hard to obtain the best rate. We have used Reduce previously and didn’t hesitate to return for a second loan a few years later. I have so far referred them to a few mates.
Daniel Wang
Oct 24, 2021
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Great results received although the process took quite a bit of time (nearly 1 months after all documents are in place including valuation). So definitely recommend those who are not in a rush for lowest rates solutions. Communication wise was good, support and broker allocated were both responsive to keep things updated. A good tip for those wanting to fast track progress is to be activate rather than passively wait.
Jimmy Zee
Oct 13, 2021
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Thank you to Reduce Home Loans and the team for helping us secure our home loan. Our account manager and broker went well above the call of duty in making sure all our questions were answered and unlike other lenders, they made themselves available after hours and weekends in keeping us informed on next steps and progress. Truly a refreshing experience especially considering the stress and time constraints you often deal with when purchasing a new home. Highly recommended.
Keep it up team!!
Amit Singh.
Keep it up team!!
Amit Singh.
Terry Borland
Sep 28, 2021
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My wife and i are extreemly satisfied with all aspects of service with Reduce Home Loans.
They listen, are readily contactable and you speak to a real person.
Would have no issues in recommending them for any persons home loan requirements.
And their home loan rates are great 100% mortgage offset account and easy refinancing.
They listen, are readily contactable and you speak to a real person.
Would have no issues in recommending them for any persons home loan requirements.
And their home loan rates are great 100% mortgage offset account and easy refinancing.
Prasangi Sam
Sep 24, 2021
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Kean Smith
Sep 20, 2021
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Claire Louise
Sep 15, 2021
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Janelle Price
Sep 08, 2021
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I had been looked at online lenders and approached a few, but there always ended up being catches. My lending was straight forward and Reduce stuck with me to work through issues. Normally online lenders breeze right past you if you have anything non-standard. So I’m glad I kept trying and in the end Reduce settled my loan at a brilliant rate!
