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Reduce Home Loans Capitalizer Variable

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 80%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 90% $50,000 $1,000,000
Owner Occupier Principal & Interest < 80% $50,000 $1,500,000
Owner Occupier Principal & Interest 90%-95% $50,000 $1,000,000
Owner Occupier Interest Only < 80% $50,000 $1,500,000
Investor Principal & Interest < 80% $50,000 $1,500,000
Investor Principal & Interest < 90% $50,000 $1,000,000
Investor Interest Only < 80% $50,000 $1,500,000
  • Owner Occupier (Principal & Interest)
    LVR < 90%
    Loan: $50,000 $1,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $50,000 $1,500,000
  • Owner Occupier (Principal & Interest)
    LVR 90%-95%
    Loan: $50,000 $1,000,000
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $50,000 $1,500,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $50,000 $1,500,000
  • Investor (Principal & Interest)
    LVR < 90%
    Loan: $50,000 $1,000,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $50,000 $1,500,000
Rate
7.39% p.a.
Comparison Rate
7.43% p.a.
Service fee
$0.00
Upfront fee
$295
Rate
6.59% p.a.
Comparison Rate
6.63% p.a.
Service fee
$0.00
Upfront fee
$295
Rate
8.29% p.a.
Comparison Rate
8.31% p.a.
Service fee
$0.00
Upfront fee
$295
Rate
6.99% p.a.
Comparison Rate
7.01% p.a.
Service fee
$0.00
Upfront fee
$295
Rate
6.69% p.a.
Comparison Rate
6.74% p.a.
Service fee
$0.00
Upfront fee
$735
Rate
7.49% p.a.
Comparison Rate
7.55% p.a.
Service fee
$0.00
Upfront fee
$735
Rate
7.09% p.a.
Comparison Rate
7.14% p.a.
Service fee
$0.00
Upfront fee
$735

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.39% p.a.

n/a

n/a

n/a

7.43% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

n/a

n/a

$295.00

n/a

$0.00

$0.00
Other financial bits

$50,000

$1,000,000

none

90.00%
Features

Owner Occupier

Principal & Interest

Monthly

yes - free

no

yes - free

$0.00

yes

yes - optional with 0.30% interest rate loading

At cost valuation fee charged at conditional approval. E-Offset account with electronic transfers access only.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.59% p.a.

n/a

n/a

n/a

6.63% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

n/a

n/a

$295.00

n/a

$0.00

$0.00
Other financial bits

$50,000

$1,500,000

none

80.00%
Features

Owner Occupier

Principal & Interest

Monthly

yes - free

no

yes - free

$0.00

yes

yes - optional with 0.30% interest rate loading

At cost valuation fee charged at conditional approval. E-Offset account with electronic transfers access only.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

8.29% p.a.

n/a

n/a

n/a

8.31% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

n/a

n/a

$295.00

n/a

$0.00

$0.00
Other financial bits

$50,000

$1,000,000

90.00%

95.00%
Features

Owner Occupier

Principal & Interest

Monthly

yes - free

no

yes - free

$0.00

yes

yes - optional with 0.30% interest rate loading

At cost valuation fee charged at conditional approval. E-Offset account with electronic transfers access only.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.99% p.a.

n/a

n/a

n/a

7.01% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

n/a

n/a

$295.00

n/a

$0.00

$0.00
Other financial bits

$50,000

$1,500,000

none

80.00%
Features

Owner Occupier

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

At cost valuation fee charged at conditional approval. E-Offset account with electronic transfers access only.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.69% p.a.

n/a

n/a

n/a

6.74% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$440.00

n/a

n/a

$295.00

n/a

$0.00

$0.00
Other financial bits

$50,000

$1,500,000

none

80.00%
Features

Investor

Principal & Interest

Monthly

yes - free

no

yes - free

$0.00

yes

yes - optional with 0.30% interest rate loading

Application and legal fees charged at settlement. At cost valuation fee charged at conditional approval. E-Offset account with electronic transfers access only.

Loan amounts >$300k add 0.10% to waive full fees up to $1170

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.49% p.a.

n/a

n/a

n/a

7.55% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$440.00

n/a

n/a

$295.00

n/a

$0.00

$0.00
Other financial bits

$50,000

$1,000,000

none

90.00%
Features

Investor

Principal & Interest

Monthly

yes - free

no

yes - free

$0.00

yes

yes - optional with 0.30% interest rate loading

Application and legal fees charged at settlement. At cost valuation fee charged at conditional approval. E-Offset account with electronic transfers access only.

Loan amounts >$300k add 0.10% to waive full fees up to $1170

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.09% p.a.

n/a

n/a

n/a

7.14% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$440.00

n/a

n/a

$295.00

n/a

$0.00

$0.00
Other financial bits

$50,000

$1,500,000

none

80.00%
Features

Investor

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

Application and legal fees charged at settlement. At cost valuation fee charged at conditional approval. E-Offset account with electronic transfers access only.

Loan amounts >$300k add 0.10% to waive full fees up to $1170

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Reduce Home Loans home loans rated by the Mozo community?

Overall
8.3/10
Price
9.4/10
Features
7.4/10
Customer service
8.0/10
Convenience
8.4/10
Trust
7.3/10
Based on 8 Reduce Home Loans home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

About Reduce Home Loans

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6.14% p.a. variable

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6.13% p.a. variable

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5.99% p.a.

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6.14% p.a.

6.16% p.a.

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5.99% p.a.

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6.09% p.a.

6.22% p.a.

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5.99% p.a.

6.02% p.a.

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6.13% p.a.

6.14% p.a.

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6.14% p.a.

6.17% p.a.

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6.14% p.a.

6.39% p.a.

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5.59% p.a.
fixed 3 years

6.01% p.a.

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Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.21% p.a.

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3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
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6.62% p.a.

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5.59% p.a.
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6.31% p.a.

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5.69% p.a.
fixed 3 years

6.07% p.a.

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5.59% p.a.
fixed 3 years

6.64% p.a.

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Fixed Rate Loan

5.79% p.a.
fixed 3 years

6.07% p.a.

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ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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5.99% p.a.

5.90% p.a.

$0.00

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5.99% p.a.

6.01% p.a.

$0.00

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HSBC

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6.14% p.a.

6.14% p.a.

$0.00

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6.29% p.a.

6.20% p.a.

$0.00

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BCU Bank

OMG Home Loan

5.99% p.a.

6.02% p.a.

$0.00

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Bendigo Bank

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6.09% p.a.

6.22% p.a.

$10.00 monthly

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6.14% p.a.

6.16% p.a.

$0.00

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6.99% p.a.

7.00% p.a.

$0.00

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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