Reduce Home Loans Rates and Review

Reduce Home Loans as of July 2026

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Link	Compare	Disclosure
Reduce Home Loans	Reduce Home Loans Eco Home Loan Variable LVR < 60%	5.94% p.a.	6.00% p.a.	$2,978	Principal & Interest	Variable	$0	$625	60%	Owner Occupier Variable Principal & Interest 40% Min Deposit More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Basic Home Loan (Principal and Interest) LVR < 60%	5.99% p.a.	6.05% p.a.	$2,995	Principal & Interest	Variable	$0	$1,225	80%	Up to $2,000 cashback Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Economy Home Loan (Owner Occupier, Principal & Interest, LVR <80%)	6.04% p.a.	6.10% p.a.	$3,011	Principal & Interest	Variable	$0	$150	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Eco Home Loan Investment LVR < 60%	6.19% p.a.	6.25% p.a.	$3,059	Principal & Interest	Variable	$0	$625	60%	Investor Variable Principal & Interest 40% Min Deposit Redraw Extra Repayments More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Basic Home Loan INV (Principal and Interest) LVR < 60%	6.24% p.a.	6.30% p.a.	$3,075	Principal & Interest	Variable	$0	$1,225	60%	Up to $2,000 cashback Investor Variable Principal & Interest 40% Min Deposit Redraw Extra Repayments More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Economy Home Loan (Investment, Principal & Interest, LVR <80%)	6.29% p.a.	6.35% p.a.	$3,092	Principal & Interest	Variable	$0	$150	80%	Investor Variable Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Ezy SMSF 70 Metro (Purchase)	6.94% p.a.	7.04% p.a.	$3,306	Principal & Interest	Variable	$0	$0	70%	Investor Variable Principal & Interest 30% Min Deposit Redraw More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Ezy SMSF 70 Metro (Refinance)	6.94% p.a.	7.04% p.a.	$3,306	Principal & Interest	Variable	$0	$0	70%	Investor Variable Principal & Interest 30% Min Deposit Redraw More details	More details	Compare	Disclosure
Reduce Home Loans	Reduce Home Loans Ezy SMSF 75 Metro (Purchase)	7.19% p.a.	7.29% p.a.	$3,391	Principal & Interest	Variable	$0	$0	75%	Investor Variable Principal & Interest 25% Min Deposit Redraw More details	More details	Compare
Reduce Home Loans	Reduce Home Loans Ezy SMSF 75 Metro (Refinance)	7.19% p.a.	7.29% p.a.	$3,391	Principal & Interest	Variable	$0	$0	75%	Investor Variable Principal & Interest 25% Min Deposit Redraw More details	More details	Compare

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Bare Home Loan (Basic OO P&I <90%)

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw

Monthly repayments: $3,011

6.04% Advertised Rate (p.a.)

6.08% Comparison Rate (p.a.)

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Important Information and Comparison Rate Warning

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Important Information

InfoChoice.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.

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At InfoChoice.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.

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Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

InfoChoice.com.au is proudly part of the InfoChoice Group, which includes Savings.com.au, YourMortgage.com.au, and YourInvestmentPropertyMag.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

General Advice Disclosure

The information provided by InfoChoice.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read InfoChoice.com.au’s Financial Services and Credit Guide (FSCG).

Reduce Home Loans