Reduce Home Loans

Office address: Suite 7, 42 Bundall Rd. Bundall QLD 4217 
Website: reduceloans.com.au 
Year established: 2010 
Company type: financial services 
Employees: 20+ 
Expertise: home loans, investment loans, SMSF loans, low-doc loans, full-doc loans, owner-occupied loans, refinancing, construction loans, business finance, equipment finance, calculators, online lending 
Parent company: Mortgage Ezy 
Key people: Mick Conyngham (director); Josh Beitz (general manager); Ben Ithell (mortgage broker); Dane Binckes, Rhyse Taylor, Kurt Trendle and Jacqueline Dizon (managers) 
}Financing status: privately held 

Reduce Home Loans is a Queensland-based non-bank lender established in 2010. The business operates mainly online, helping to keep costs low and pass savings on to customers through lower interest rates and fees. The firm positions itself as a disruptor in the Australian lending industry. 

History of Reduce Home Loans 

Reduce Home Loans started in Queensland in 2010 as an online lender. By not having physical branches, the company kept costs low. This helped them offer lower rates and fees than many banks. Their goal was to make home loans cheaper and easier for Australians through simple online processes. 

In recent years, Reduce Home Loans has put more effort into helping the community. The company started the Direct Intervention Scholarships program for disadvantaged children overseas. This program gives these children better chances for education. It shows the company’s commitment to giving back and making a difference beyond lending. 

Reduce Home Loans products and services 

Customers of Reduce Home Loans can choose from several options, each with flexible features and support from application to settlement: 

• first home buyers: low variable rate loans for those entering the property market 
• buying your next home: tailored loans to help with purchasing a new home 
• refinancing your loan: options for switching to a lower rate or better features 
• investment home loans: fixed and variable rate loans for property investors 
• construction lending: loans for building or renovating a home 

It has access to over 40 lenders and hundreds of loan products, and each client receives support from a broker who manages the process from start to finish. This approach helps make the lending experience straightforward and tailored to each situation. 

Company culture and values 

The team at Reduce Home Loans is diverse and close-knit, with a 96% employee satisfaction rate. Staff enjoy social events, Casual Fridays and frequent outings which make work both fun and supportive. Each employee also receives a paid day off to volunteer in their local community, showing the company’s focus on giving back. 

It also sees all of Australia as its community, not just Queensland. Staff regularly get involved in causes and charities, both locally and across the country. Each month, a team member nominates a cause, and everyone joins in to support it. Below are some examples of their recent activities: 

• Christmas Charity Drive: brings Christmas donations and relief to bushfire victims 
• Bushfires Rage Across QLD and NSW: supports local firefighters during major bushfire events 
• Helping the Homeless in May: provides meals and support for people experiencing homelessness 
• Support Epilepsy Smart Schools: backs Epilepsy Smart Schools during awareness month with fundraising and awareness activities 

In terms of sustainability, Reduce Home Loans operates fully online which helps cut down on energy use and emissions. The company avoids traditional branch overheads and reduces its carbon footprint by limiting travel and utility needs. Their team follows best practices to support both the community and the environment. 

About Director Mick Conyngham and key people 

Mick Conyngham is the director at Reduce Home Loans and currently serves as head of credit at Mortgage Ezy. He was previously head of distribution at Mortgage Ezy for over 20 years. Conyngham also served as JnR VP at the FBAA and has deep experience in mortgage lending and investment properties. 

The team at Reduce Home Loans includes experienced leaders and specialists who drive the company’s customer-focused approach: 

• Josh Beitz is a general manager from Queensland, leading marketing, management and sales 
• Ben Ithell works as a licensed mortgage broker and manages accounts at Mortgage Ezy 
• Dane Binckes acts as finance manager, bringing over ten years’ banking and customer service experience 
• Rhyse Taylor leads as sales and training manager, holding a bachelor’s degree in finance and management 
• Kurt Trendle is a personal finance manager and is known for guiding clients through property purchases and refinancing 
• Jacqueline Dizon works as a personal finance manager, who also previously managed North Luzon sales at JJED Philippines Inc. 

The leadership team at Reduce Home Loans is always looking for new ways to help customers save on home loans. Their focus is on improving service and finding better solutions for Aussies every day. 

The future at Reduce Home Loans 

Reduce Home Loans shares practical tips to help people save money on their mortgages. They want to make it easier for Australians to understand refinancing and find better deals.  

By educating customers, they help families manage rising costs and avoid common pitfalls. This kind of support aims to give borrowers more confidence and long-term savings in the future.