Welcome to Well Money, a home loan provider built from the ground up with Australian home owners in mind.
We’re a different kind of online lender and finance provider that treats you like part of our family, all while making sure we pass on the savings we find on to you.
Our products are powered by good old fashioned customer service being 100% family owned and operated. We’re not for gimmicks, not for specials or introductory rates. It’s about providing simple, affordable home loans all the time – for all Australians.
It’s as personal as online gets.
Choosing the right partner for you
We’re not a traditional online lender. We’re a non-bank lender that just happens to live online. So that means some good old fashioned customer service is at the heart of what we do.
At Well, we want to bring back the simple and easy home loans that help people the most.
We cut out a lot of the hidden costs that are involved in the mortgage process. This means that we lend direct to you and ensure that you get the best rates we can offer.
We believe in educating people about the biggest financial decision of their life. We make the home loan process as easy to understand as possible.
‘Pro packs’ full of features you didn’t want but had to ‘pay’ for in order to get a cheaper rate? Why can’t it just be simple & transparent if all you want is a home loan?
No one goes out to buy a home loan. We get that. Who wants to buy a home loan? Our loans are meant to help you out in your current life situation.
For over 40 years, our founders have been helping Australians achieve their goal of home ownership. During that time we’ve been helping the mortgage industry grow into what it is today. As times changed, we realised that home loans in Australia have become more complex than they need to be. With Well Money, our mission to provide the absolute best rates to our customers is made possible.
With so many mortgage companies being purchased by both banks and large overseas fund managers, Well is proud of the fact that we are 100% family owned and operated.
Our chairman has been involved in the mortgage industry since 1972. Take a look at how one of the most influential and highly respected names in the mortgage industry changed the way we get home loans in Australia.
An inductee into the hall of fame and life membership in the mortgage industry’s peak bodies, MFAA and FBAA, this industry veteran helped introduce the concept of securitisation into Australia, issuing one of the first RMBS before the now common phrase “non-bank” was even heard of.
The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.
NOTE: The comparison rate shown in this example assumes a maximum LVR of 80% and no offset option. If your LVR is different and/or you take an offset option, your comparison rate will be different.
Interest rates current as at the following date: 6th June 2025. Interest rates are subject to change at any time without notice. The actual interest rate on your home loan will be quoted at the time of settlement along with the actual repayment amounts.
Interest Rates may change between the time of your application and settlement of your loan due to market conditions.
Interest rates for existing customers may not be the same as interest rates for new customers. If you have paid a Rate Lock Fee, the rate provided will be listed on your letter of offer and will take effect upon acceptance and payment of the rate lock fee. Rate lock is not available for all fixed rates products.
Fees and charges apply to all loan products. Loan setup fees are payable at settlement. Any discounts or special offers apply only to the fees shown on this page and will be outlined in the loan contract.
Any fees that are payable to third parties, such as Solicitor Documentation Fees are incurred by service providers external from your Lender, are variable in nature depending on the services provided and are passed directly to the applicants. These costs are usually noted as “not ascertainable” and quotes provided with “from” are a reasonable estimate of what we know the costs can start from. This amount does NOT include all costs that may be incurred by these third parties.
Other fees may apply, including a Loan Processing Fee charged by Lender and depends on the structure of your loan. While usually “not ascertainable”, the fee is from $150 which is a reasonable estimate of the fee and will be advised to you in your loan contracts.
^ Valuation fee – Up to $300 free (Well Money will pay up to $300 per loan, any excess valuation fees are payable by the borrower(s))
For loans with an LVR over 80%, LMI will be required. This premium is to be paid by the borrower and may be payable from loan proceeds.
All applications for credit are subject to our credit approval criteria. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether the information on this site is appropriate for you. Before making any decision in relation to any of our products you should read the relevant terms and conditions available at the Terms and Conditions page and at our Eligibility page when you apply online.
1300 899 724
Well Money® is the trading name of Flexstar Mortgage Corporation Pty Ltd | ABN: 30 154 777 152 | Australian Credit Licence 430334
Great news! The RBA has announced a cash rate cut today. Stay tuned for more information from our funding providers about rate movements. Existing customers will be notified separately in due course. You can read the RBA’s announcement by visiting their media release here
