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A new property? That’s exciting!




Refinancing is a great way to borrow additional funds or get a better deal on your loan



Complicated? No problem, we can handle it.


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Home Loan FAQs

FAQS        BLOG

Why use

We’re an Australian owned mortgage broking business who have saved hundreds of thousands of dollars in interest for our customers already.


We have access to 40+ lenders and over 1300 loan products, ensuring we will get the best home loan rates for you.


We have already saved hundreds of thousands of dollars for our customers through both new home loans and home loan refinancing and would love to talk to you about how much we can save you.

How much could I save?

We’re glad you asked. You can enter some basic information on your situation using our reducemyloan calculator and find out how much you could save in 30 seconds. This calculator uses the most up to date and best home loan rates based on your circumstances. It also calculates the interest savings based on optimising your home loan based on the information you provide.


We are also happy to discuss your circumstances and provide you with a detailed assessment. Fill in your details here and we’ll be in touch.

Why use a mortgage broker if I can go direct with a bank?

Banks can only offer you their own limited range of products. We work with 40+ lenders and can find the cheapest and best loan package available to suit your needs.


  • Choice: Is your bank going to tell you if another bank is cheaper? Are they going to tell you if another lender’s products suit your needs? Our mortgage brokers will get the best home loan rates for you.
  • Optimised Loan Structure: We ensure we get you the best loan structure in place for short, medium and long term goals
  • Free service: You pay us nothing – we get paid by the lender for residential mortgage related and only when we successfully get you approved.
  • Level of service: Did you know that mortgage brokers consistently outrank bank managers in customer satisfaction surveys?
  • Keep it simple: We will take the hassle out of applying for a loan. We’ll deal with the banks so that you don’t have to!
  • Expertise: Our mortgage brokers have a much higher level of training and experience than bank lenders.
  • Specialised lending: Your bank cannot go outside of their lending policy but we can choose a lender that can approve your loan!
  • Annual reviews: Did you know that the banks can change your rates after your loan is settled? We will undertake regular reviews to make sure that you are still getting the best home loan rates.

Many people approach their bank directly and either miss out on a more competitive rate or worse still complete and lodge an application only to be declined. The Reduce My Loan mortgage brokers will fight hard to get you the best and cheapest loan package for your needs and we will only recommend loan options that we’re confident in getting approved first time.

How long will a preliminary home loan assessment take?

Using our expertise, we can find you the right home loan in less than 24 hours as long as you provide us with all of the documents we need.


If you are in a hurry to get approved because you are going to an auction or have a deadline for a cooling off period on your purchase then please let us know and we can escalate your application.

Which banks can approve me?

Reduce My Loan’s mortgage brokers have detailed knowledge on the policy of over 40 lenders. We are experts at saving clients money. Even if you have a situation that is a little outside of the box we have access to lenders that specialise in this.

Something unanswered? Ask us.

Have more questions or ready to start saving?

*Rates as at 6 February 2017. Any calculations or estimated savings do not constitute an offer of credit or a credit quote and are only an estimate of what you may be able to achieve based on the accuracy of the information provided. It doesn’t take into account any product features or any applicable fees. The lending criteria is at the discretion of the individual lender and the basis upon which they assess what you can afford may change at any time without notice. Savings shown are based on user inputted data and a loan term of 30 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rates are based on a loan amount of $150,000 over a loan term of 25 years. All applications for credit are subject to individual lender credit approval criteria.