Call Us Today! 1300 899 724
Get the home buying advantage
Homely has partnered with award winning mortgage provider, Well Money to help you with your dream home. With some of the lowest rates in Australia, Well Money is here to guide you through the smart financial decisions that will make that dream a reality.
Join the family today and experience the Well Money difference.
5.69%
6.12%
No upfront credit checks, so it doesn’t hurt to have a look. Find out how much you could borrow today!
Let's get started
We’re here to help for the whole process of getting your property. Fill in the form below and we can chat through your requirements and find the right solution for you.
Choosing the right partner for you
Why choose Well Money?
We’re not like other online lenders. As a 100% family-owned Australian business, we understand the importance of financial stability and security. That’s why we prioritise old-fashioned customer service at the heart of everything we do.
At Well Money, our mission is to offer the lowest possible rates while providing service that’s second to none. We cater to your financial needs with a range of products, including our award-winning fixed-rate home loans designed for flexibility and peace of mind.
Lower rates
Our competitive rates can make your finances more manageable.
100% Offset account
It's a unique feature of our home loans to have offset with Fixed Rates!
Flexible options
With a variety of loan types and options, a Well Money home loan can be fully featured.
Effortless process
You've got enough on your plate so we'll hold your hand the entire way, making it easy as possible.
Featured Well Money fixed rate home loans
Amazing low-rate home loans
Get lower rates from day 1 with our super-low rate home loans.
No unfair loyalty systems or hidden fees. Just great features, at a great rate.
- 100% Offset accounts on Fixed Rate home loans!
- Split loans available
- Consistent - enjoy predictable monthly payments
- Try before you buy with WellCheck
"Live in" fixed rate home loan
Well Balanced - Fixed 3yr
- Award-winning low rate
- 100% Bank-backed Offset available
- Attractive LVR's
- Extra repayments allowed
5.89%
6.14%
Comparison rate p.a.
"Investor" fixed rate home loan
Well Balanced - Fixed 2yr
- Award-winning low rate
- 100% Bank-backed Offset available
- Up to 90% LVR available
- Self employed applicants allowed
6.14%
6.37%
Comparison rate p.a.
Publications featuring
Well Money experts
Fixed rate with 100% offset?
“I didn’t even know that was possible!”
Many people aren’t aware that with a Well Money fixed rate home loan product, you CAN have a 100% bank backed offset account.
Not sure how an offset can help you save? Just have a look at how the offset works for you. Even more helpful if you’re looking to use your offset as a transaction account.
NOTE: Available on Well Balanced and Equity Plus home loan products for both fixed and variable rate options.
Ready to get started? It's so easy.
It couldn’t be simpler to get started on the path to your dream home. Not only do we have friendly local staff, but greats online tools too. 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!
Let us know your details
on 1300 899 724
Chat to the team
Personalised rate
Get the answers you need
Let's get to know each other
Once you’re ready to explore what Well Money can help you with, it only takes a minute to get started by filling out the form below!
At Well, it’s as personal as online gets.
How does our home loan process work?
Once you’re ready to explore a Well Money home loan, it only takes a few minutes to get started. Filling out our easy application form (so that we can make sure you’re eligible) is all it takes!
At Well Money, it’s as personal as online gets.
Start your form
Just hit the "get started" button and fill out the enquiry form. There's no upront credit checks either.
Book appointment
Our lending team will get in touch with you to confirm all your details and help answer any of your questions.
Get approved
Once we're sure we can work together, then you can finalise your application and we'll get your decision sorted out super fast.
Settled!
Being such a fast process means that you can celebrate your new home loan even quicker. Easy!
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.
- Lower rates: Our competitive rates can make your finances more manageable
- Expert Consultation: Our local seasoned experts offer personalised advice tailored to your needs.
- Flexible Options: With a variety of loan types, we find the best fit for your situation.
- Effortless Process: We'll hold your hand the entire way, making your switch as easy as possible.
Real people, real savings.
Important information
Once you’re ready to explore a Well Money home loan, it only takes a few minutes to get started. Filling out our easy application form (so that we can make sure you’re eligible) is all it takes!
At Well Money, it’s as personal as online gets.
What am I being conditionally approved for?
Homely has partnered with Well Money to provide access to award winning home loans. When you buy a house and require finance or look to refinance an existing home, the Well Money team of experts are able to help. A WellCheck is an indication of your scenario to provide quick access to your borrowing power.
A conditional approval provided by Well is based on the Well Money credit criteria and can only be provided once you apply. The team of Well experts will guide you through loans, options and features after a WellCheck so you can be conditionally approved and have finance ready for your property needs.
Who can apply for a Well Money home loan?
By getting starting with a WellCheck you can find out what sort of loan and how much you can borrow in just a few minutes. You can apply entirely online and at any time, you can speak to an expert. In general, the eligibility for a Well Money home loan includes:
- You are over 18 and you’re an Australian/NZ citizen or permanent resident living in Australia
- You have a deposit of some kind (see below for deposit information)
- At least one borrower has a job. There are options for PAYG, Self Employed and Casual too.
- Good credit history. Overall, you must have decent credit. A few blemishes can be ok and if you’re not sure, just call us. NOTE: A WellCheck and Pre-Approval with Well assumes that you have no credit issues. A credit report is not run for a WellCheck.
- The property that you are looking for may affect how much you can borrow and we have some LVR restictions on apartments and other property types outside of metro regions. We will be able to advise you on the type of property with your pre-approval.
What sort of conditions are on my approval?
With any conditional approval there are some conditions (hence the name!). We will outline the conditions of your approval on your official paperwork so that you will know at all times. Typically, conditions would include:
- Subject to a credit check. We assume you have good credit. If we find out you don’t, then the approval might not progress to a full approval and you might be without finance.
- You don’t go spending your deposit on anything other than a deposit.
- The location and property type needs to be in line with the details provided. Don’t go buying something that we can’t lend on!
- Don’t be spending far in excess of what a property is worth. Do your homework. For example, don’t pay $600,000 for a property that would only be worth $300,000. You can get property reports these days.
- Keep in mind that we will still need to do a full assessment. This will include valuing the property for mortgage purposes, potentially getting LMI, checking your credit and maybe asking more information of you.
If there’s ever any doubt, it’s always best to ask us first. We want you in that home as much as you do!
About this partnership between Well and Homely
Well Money is the trading name of Flexstar Mortgage Corporation Pty Ltd ACN 154 777 152 and holds an Australian Credit Licence number 430334. Homely Pty Ltd (trading as Homely) and Well Home Loans have enterred into a strategic partnership to help make home buying simpler and more affordable. This partnership provides for Homely.com.au to bring the Well Money calculations and tools into the Homely.com.au website experience to create better experience for users searching for property.
Homely Pty Ltd may be compensated for referring customers to Well Money for finance and any commissions on your loan will be disclosed by Well Money prior to entering into a credit contract.