- Cashback offer
Eligible refinancers can get $3,000 cashback when they switch a loan of at least $500k. A cashback of $2,000 is available for loans between $250k and $499,999.
The loan-to-value ratio of the loan must be less than or equal to 80%. More than 50% of the loan amount must be used to refinance the home or investment loan.
Cashback offer ends 30 September 2025 and the loan must be settled on or before 30 November 2025. Full terms and conditions apply.
What different scores mean
9+
Excellent
These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Key takeaways
- Reduce Home Loans is an Australian owned and operated non-bank lender.
- It offers a range of home loans for Australian owner-occupiers and investors.
- It is based in Queensland Australia.
- This lender only offers home loan products.
Compare Reduce home loans for September 2025
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How we picked theseReduce home loan features
Here are the key features and details you need to know about Reduce Home Loans' mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | It's possible to get a home loan with a deposit as low as 10%. |
| Offset account | You can get an offset account with several of its loans. |
| Repayment options | Many of its loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans. |
How do I apply for a mortgage from Reduce Home Loans?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.Eligibility
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
- Age. You must be over 18 years of age.
- Residency. You should be a resident of Australia.
- Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with Reduce Home Loans you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
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Looking for more mortgage options?
- Big Four banks. Check out interest rates from Australia's Big Four banks.
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- Cheapest rates. Compare the lowest home loan rates on the market.
- Investors. Compare more loans for property investors.
- Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read the full Finder Score breakdown
More resources on Finder
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I am a pensioner my wife and I own our home and we now want too sell this one and buy another home within 2 hours of Sydney. Would you be able to lend money to help buy?
Hi Steven,
Thank you for getting in touch with Finder.
If you consider getting a loan with Reduce Home Loans please visit their official page for more info on their offered financial products and compare which would suit your needs.
You may refer to our pensioner home loans and mortgages for over 55s guide to know how to get mortgage on pension. I also suggest that you seek help from a mortgage broker as they can help you pick the right home loan for you.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni