Since 2010, Reduce Home Loans has been passionate about delivering home loans at the lowest rates possible. Refinance, purchase or buy your first home at a great low rate. Available for Owner Occupiers and Investors, Reduce offers a range of home loan options including variable rates, fixed rates, construction loans and self-managed super funds. Multi-award winning home loan products. Full redraw available on variable loans. 100% offset available. PAYG and Self Employed applicants accepted. Apply online. The team at Reduce understand it can be stressful or overwhelming applying for a home loan. That?s why at Reduce you will be assigned your own personal finance manager to guide you and be available throughout the process.