Reduce Home Loans Investor Rate Buster Variable 100% Offset review

Pay no ongoing fees and enjoy the added benefits of a 100% offset account for your investment home loan.

The Reduce Home Loans Investor Rate Buster Variable 100% Offset Home Loan allows you to make unlimited extra repayments as well as the option to make repayments fortnightly or monthly. You can borrow up to $2,000,000 with up to 90% LVR your investment loan can be structured to suit your needs.

If you are looking for the Rate Buster Home Loan for owner occupiers click here.

Interest Rate Max Insured LVR Max LVR
LVR up to 80%
3.39% p.a.
Comparison Rate
3.39% p.a.
80% 80%
LVR up to 90%
3.69% p.a.
Comparison Rate
3.69% p.a.
90% 80%
Product NameReduce Home Loans Investor Rate Buster Variable
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$50,000
Maximum Loan Amount$2,000,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR90%
Mortgage Offset AccountYes
Mortgage 100% OffsetNo
Loan Redraw FacilityYes
Split Loan FacilityYes
Suitable for InvestmentYes
Extra RepaymentYes
Repayment TypePrincipal & Interest
Application Fee$0
Lender's Legal FeeAt cost. disbursements payable
Valuation FeeAt cost
Ongoing Fees$0 p.a.
Settlement Fee$0


  • $0 ongoing fees
  • Repayment flexibility
  • 100% offset account


  • $0 application fee
  • $0 settlement fee
  • $At cost. disbursements payable legal fee

Who is Reduce Home Loans?

Reduce Home Loans is a licensed and regulated finance brokerage that sources home loans from a variety of Australian lenders. Because Reduce Home Loans is an online-only business, it has low overheads and can offer lower rates. And because it can source funding from a variety of Australian lenders, it can offer competitive products to borrowers.

Things to consider about Reduce Home Loans Investor Rate Buster Variable 100% Offset Home Loan

This is the already competitive Reduce Home Loans Rate Buster Home Loan but aimed at investors looking to start or grow their investment property portfolio.

With no ongoing fees and unlimited extra repayments with no fees you can work towards paying off that investment property sooner. Repayments can be made monthly or fortnightly with both principal and interest or interest only options available, if you opt for the interest only option you can only make monthly repayments.

Features of the Reduce Home Loans Investor Rate Buster Variable 100% Offset Home Loan

  • Maximum loan amount: You can borrow up to $2,000,000 for your investment property with this loan.
  • Maximum LVR: You can borrow up to 90% Loan-to-Value Ratio (LVR) but you will have to pay Lender’s Mortgage Insurance (LMI) if you borrow more than 80% LVR. Also note that higher interest rates may apply for borrowing over 80%.
  • Offset account: This loan comes with a 100% offset account that works against the interest accumulated on your loan to help you pay down the loan sooner whilst also giving you easy access to the funds.
  • Repayment flexibility: You can pay off this loan monthly or fortnightly with unlimited extra repayments with no extra fees. You can also choose either principal and interest or interest only repayments, but note that the interest only option can only be repaid monthly and will increase the interest rate offered.
  • Split facility: You can split the loan so that you have a portion with the competitive variable rate and another portion with a fixed rate.
  • Loyalty discount: If you keep the Reduce Home Loans Investor Rate Buster Variable Home Loan for more than five years you might be eligible for a further rate discount.


There are no monthly or annual fees with the Investor Rate Buster Variable 100% Offset. Valuations are also free up to $440. There are some fees you should be aware of:

  • Application fee: $0. This fee covers the cost of preparing your loan documents and approving your loan.
  • Settlement fee: $0. This fee is charged upon the setting up of your loan accounts.
  • Legal fee: At cost. disbursements payable. This fee covers the legal costs associated with this loan.

How do I apply for the Reduce Home Loans Investor Rate Buster Variable 100% Offset Home Loan?

If the Reduce Home Loans Investor Rate Buster Variable 100% Offset Home Loan seems like a loan that may help you with your property investment wishes click on the ‘Go to site’ button to be redirected to the Reduce Home Loans website. You can make an enquiry and someone from Reduce Home Loans will be in touch with you shortly to discuss your lending needs.

You must be over 18 years of age and a citizen or resident of Australia in order to apply for a home loan with Reduce Home Loans. As well as this make sure to have the below handy for your application:

  • Personal details. This includes full name, contact details and photo ID.
  • Income details. This will include payslips and details of your regular income as well as any other income producing assets you may have in your name.
  • Debt details. This will include all details of any other debts you may have including credit cards, other home loans or personal loans.
  • Property details. Reduce Home Loans may ask for the details of the property you are looking to purchase including the contract of sale.

With great features including no ongoing fees and a 100% offset account the Reduce Home Loans Investor Rate Buster Variable 100% Offset Home Loan is definitely an option to include when comparing home loans for your investment purchases.

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2 Responses

  1. Default Gravatar
    RaySeptember 14, 2017

    I am re financing do I still pay all the fee’s.

    • Avatarfinder Customer Care
      JoanneSeptember 14, 2017Staff

      Hi Ray,

      Thanks for reaching out.
      For your concern you may want to visit this link for additional information. And this site will give you additional advise on how you can refinance your mortgage.

      Best Regards,

Reduce Home Loans Investor Rate Buster Variable

  • Interest Rate


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  • App Fee / Annual Service Fee

    $0 / $0

  • Max LVR


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