One simple plan to cut your repayments and simplify your life – Roll credit cards, car, personal loans and more into your mortgage. One repayment. Less stress.
Roll credit cards, personal, car and business loans (and more!) into your mortgage. One repayment. Less stress.
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We know every situation is different. We make it easy to talk about yours and lock in as much savings as possible. No spam. No obligation. Pop in your details to find out how.
Featured Well Money home loans
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.
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Lenders will want to see that you can afford the new loan. If you have reliable employment or consistent self-employed income, you’re more likely to get approved on competitive terms.
Missed or late payments on multiple accounts can hurt your credit rating. Simplifying everything into one repayment can make it easier to stay on track, protecting—and even improving—your credit score over time.
Debt consolidation is right when it lowers your cost of borrowing, simplifies your financial life, and positions you to become debt-free faster; not just when it reshuffles balances.
Once you’re ready to chat about a Well Money debt consolidation home loan it only takes a few minutes to get started. Filling out our easy enquiry form (so that we can make sure you’re eligible) is all it takes!
At Well, it’s as personal as online gets.
Start your debt detox by using our calculator, and filling out the enquiry form, booking an appointment online or using our livechat features.
Once we've got your enquiry, we'll get you booked in with an expert who can chat to you about your consolidation options.
Once you've been approved, you'll be able to rest assured that you'll be able get those savings started really soon.
Once you've settled home loan, you can start to relax knowing you'll have a few less repayments to worry about.
Got questions?
No — using our calculator is safe and does not involve a credit check. A full application may involve one, but that’s only if you choose to proceed.
Yes. Many lenders accept self-employed income, contractor work, or casual PAYG, provided there’s a history of consistent earnings
It varies based on your credit history, income, and security. Running the numbers here gives you an estimate — our eligibility check goes deeper to match you with real products when you speak with our home loan experts.
With a debt consolidation loan, it’s not about the interest rate that you will be paying on your consolidated mortgage, but instead it’s important to focus on the savings that you can acheive by moving the super high rate loans out of your life!
The good news, is that a Well Money home loan still will have a very competitive rate for your situation.
Yes. Some of our product options allow limited cash-out for purposes like business working capital or refinancing multiple loans
Great news! Our home loan rates will be decreasing by 0.25%p.a starting from 29th August 2025. Visit the media release here
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
