Award winning home loan lenders Australia

Save with an award winning home loan

Join the family today and experience the Well Money difference.

Featured rate - Fixed 3 year | P&I | Live-In


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No upfront credit checks.
Free to try.

Note: Rates shown include latest RBA decision

Featured rate - Fixed 2 year | P&I | Investor


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No upfront credit checks.
Free to try.

Note: Rates shown include latest RBA decision

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Super low rate online home loans​

Aussie based lending experts

Home loans designed to help pay off your mortgage sooner​

Incredible support. The kind you'd expect from a family run company​

100% Bank-backed Offset accounts

Featured Well Money home loans

Rates worth talking about

Get lower rates from day 1 with our super-low rate home loans.

No unfair loyalty systems or unnecessary features. Just great features, at a great rate.

FEATURED "live-in" Variable home loan

Well Equity Plus


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FEATURED "Investor" Variable home loan

Well Balanced - P&I INV


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Getting started is easy with our online home loans

These ARE the home loans you're looking for.​

Our Home Loans

Shop by type – Pick to learn more

Getting started is easy with our online home loans

These ARE the home loans you're looking for.​

We don’t wait to reward you with lower rates. Our super-low home loan interest rates save you from day 1!

No unfair loyalty systems that make you wait before you get better rates, no pro-packs stuffed with features you don’t want but need to take.

Our online home loans just have great features, at a great rate. We’ve got some of the lowest home loan interest rates in Australia with features that will make you want to talk about your home loan.

Whether you’re purchasing a new house, or want to refinance and save, you’ll be glad that you’ve taken the first step towards being part of the Well family.

Buying property?

No need to worry. We have dedicated Australian based home loan experts that can walk you through each step so that you feel confident in the home-buying process. Our Well Money team makes your online home loan experience a lot more personal. Plus, get access to educational tools and resources when you need them.
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Looking to refinance?

Leaving your current lender? No need to stress. We’re here to help make sure that it’s not a messy breakup and you get to stay in full control – and save on your repayments in the process!  Taking your first steps with our online home loans is fast and easy.

Canstar best home loan lender award badge
Ratecity best variable home loan award for 2022
Mozo expert choice award for best offset home loan 2022
Finder best owner occupied fixed rate winner 2020
Money magazine best of the best 2021 best basic home loan award

Why choose Well Money

We started Well Money with a mission of keeping our rates as low as possible while ensuring that the service we provide to our customers is second to none.  Well is all about providing not just online home loans, but also more of your finance needs.

The Well Money online home loan is an award-winning product that’s designed to be flexible. It comes with great features that you can choose if you need it, without sacrificing our super low rates.

Online made easy​

We’re a different kind of online lender that treats you like part of our family, keeping our online home loans simple and convenient.

See all our home loans

Home loan experts

Access to your very own Australian based home loan consultant who will be there with you for your entire home loan journey.

Get in touch

Try before you buy

We’re a different kind of online lender that treats you like part of our family. We let you try before you buy!

Start a FREE WellCheck

Personalise your lending scenario now

Meet WellCheck. It’s our personalised borrowing scenario tool that takes 2 minutes to complete so you can get comfortable with some indicative numbers about your own situation. Check home loan interest rates, see your borrowing power and calculate repayments

You can use this one tool as a mortgage calculator, borrowing power calculator and see interest rates all from the one place. It’s free and we don’t run a credit check at this point either – so you might as well go for it!

Start your WellCheck

Get personal at an open inspection or from the comfort of home.

Crunch some numbers

Work out your Maximum Borrowing potential and see how much your loan repayments might be.

Personalised rate

Seeing a headline rate is nice; a rate that’s personalised to you is nicer.

No upfront credit checks

Find the answers you need without having to go through a full application. WellCheck doesn’t impact your credit score at all!
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Unlock more than just savings

We’re not like other online lenders. We’re a non-bank lender that just happens to live online.

That that means some good old fashioned customer service is at the heart of what we do.

Real people, real savings.

Get started with Well Money

Get pre-qualified today

Most other lenders have fairly rigid eligibility criteria and if you don’t fit the checkboxes, then you don’t fit the loan.

Getting pre-qualified with Well means there are no upfront credit reports and you can walk away with answers that you need.

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Experience the power of Knowledge.

Embark on your financial journey with WellHub, the Well Money Learning Centre. Discover expert tips, facts, and clever home loan strategies. Don’t miss out – dive into financial wisdom today!