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Experience the difference

As personal as online gets

Well Money stays by your side from start to finish, whether you’re refinancing an existing home loan or buying a new home. Our award winning online home loans have the kind of features you’d expect from a bank, with the super low rates from an online lender and the personal support you’d expect from a family run company.

Lowest rates from:


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No upfront credit checks so it doesn’t hurt to get started.
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Getting started the easy way

Finding the right options for you

Buying a home is an exciting time; whether that’s your first home, your next home, an investment property or you’re upsizing with a new family or even just looking to downsize a little; our team is here to help you get your finances sorted.
We’ve got some of the lowest 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.
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I'm refinancing

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I'm investing

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Buy my first home

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Buy my next home

Featured home loans

Rates worth talking about

We don’t wait to reward you with lower rates. Our super-low 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. Just great features, at a great rate.

FEATURED "live-in" home loan

Well Equity Plus


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FEATURED "Investor" home loan

Well Balanced


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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. 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!
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

Home loans worth talking about

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.

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 it 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, keeping it simple and convenient.

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 rates, see your borrowing power and calculate repayments 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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Why Well Money?

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.

See what others are saying about us

Let's get started

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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Discover more tips and guides at WellHub