An easy way to simplify your finances into one repayment. Use our free calculator to estimate your savings; and then talk to us to make it happen. We get that sometimes those not so helpful debts can pile up – that’s why we’re here to help. Benefit from flexible terms, competitive rates, and a dedicated team ready to guide you every step of the way.
Roll credit cards, personal, car and business loans (and more!) into your mortgage. One repayment. Less stress.
| Debt Type | Balance ($) | Rate (%) |
|---|
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.
Choosing the right solution for you
Amazing coverage between buying and selling
Whether you’re upgrading or downsizing, a bridging loan can provide a solution that allows you to avoid the stress of having to sell your home first and find temporary accommodation while you search for your next home.
A Well Money bridging home loan is packed with features.
Convenient and simple way to start saving on your interest. Pop in your salary each month and use the Visa Debit card facility to access your funds.
Our bridging relocation loan offers up to 80% LVR on "peak debt," which includes your current mortgage plus the new loan needed to buy your property.
Got an unconditional contract of sale? We can be flexible with the way our servicing is calculated, giving you more options.
To help with your bridging loan, we can capitalise the Interest^ until your existing home sells (up to 6 months).
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.
Interest rate p.a.
Comparison rate p.a.
Interest rate p.a.
Comparison rate p.a.
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.
Debt consolidation isn’t a one-size-fits-all solution. It may not be right for you if:
👉 Next step: Use our Debt Consolidation Calculator to see your potential savings, or speak with a Well Money loan specialist about whether this strategy suits your situation.
💡Learn more: We go in depth with an interactive “Am I ready?” quiz and 10+ common questions in our full guide on debt consolidation pros and cons.
hello there
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.
Enquire about our home loans by 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.
Yes. Some of our product options allow limited cash-out for purposes like business working capital or refinancing multiple loans
Really important information
Fees should be transparent as we don’t like bill shock either!
Unlike other lenders, we don’t like to hide our fees in our rates. That’s just one of the many reasons why our home loan rates are some of the lowest in the market. We could just bump our rates up a little and say “no fees!” – but that’s just not us.
(not built into our rates unlike other "fee-free" lenders with higher rates)
(These will vary by state but usually includes title rego, discharge of outgoing and title search costs)
(These will vary by state but usually includes title rego, discharge of outgoing and title search costs)
(These will vary by state but usually includes title rego, discharge of outgoing and title search costs)
Embark on your financial journey with WellHub, the Well Money Learning Centre. Discover expert tips, facts, and clever home loan strategies. Don’t miss out – dive into financial wisdom today!
A debt consolidation loan is simply a way of rolling a bunch of smaller debts into
In Australia, most mortgages take 25 to 30 years to pay off. It’s a long financial
For many Australians, the dream of building a substantial property portfolio is often just a few
The Basics: What is Repayment History? Your repayment history is a record of your payments on
Navigating the path to property ownership or investment can seem daunting, especially when considering how much
Navigating the Refinancing Terrain The landscape of home loan refinancing is buzzing with potential, yet many
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