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Reduce Home Loans home loans

Reduce Home Loans is 100 per cent dedicated to home loans, offering no other financial services. It also operates online, with this simple business model helping Reduce Home Loans to keep running costs down and deliver low interest rates.

Australian owned and operated since it opened in 2010, Reduce Home Loans has won many business awards since, including Money Magazine’s cheapest non-bank home loan in 2016, 2017, 2018, 2019 and 2020, as well as Rate City’s 2020 Home Loan Gold Awards.

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Why choose Reduce Home Loans


  • Low interest rates.
  • Flexible loan options.
  • Loans are suitable to borrowers with smaller deposits.
  • Some loans have low fees.


  • No branch access.
  • Loans have application fees.

Reduce Home Loans Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.