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Meet the family

We are Well.  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.  It’s as personal as online gets.

Illustration of a family sitting together in a garden

A modern online home loan provider

Welcome to Well Money, a home loan provider built from the ground up with Australian home owners in mind. 100% family owned and operated, Well prides itself on good old fashioned customer service.

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.

How do we do it?

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.

Well is direct to you

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.

Easy to understand

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.

Transparent

‘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?

Life situations

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. Low rates, tailored features and even 100% bank-backed offset accounts.

Experience you can trust

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.

100% Independent

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.

Pioneers of the mortgage industry in Australia

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.

Read the interview here

Vernon Spencer

Chairman
Scott Spencer CEO of Well Money

Scott Spencer

CEO

See what others are saying about us

Looking for some help?

Phone - All enquiries

1300 899 724

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[email protected]

Existing customers

[email protected]

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Flexstar Mortgage Corporation Pty Ltd
trading as Well Money®
ABN: 30 154 777 152
Australian Credit Licence 430334

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Disclaimers and things you should know

* Comparison rate warning

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 higher than 80% and/or you take an offset option, your comparison rate will be different.  Refer to the Key Fact Sheet for a more personalised scenario.

Interest rates

Interest rates current as at the following date: 25th July 2022. 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.

Well Money® is the trading name of Flexstar Mortgage Corporation Pty Ltd  | ABN: 30 154 777 152 | Australian Credit Licence 430334