Refinance calculator

* 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 different and/or you take an offset option, your comparison rate will be different.

Interest rates

Interest rates current as at the following date: 13th February 2026. 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

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))

Lenders Mortgage Insurance (LMI) may be payable

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.

Credit approval and eligibility

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.

Referral partners approval and eligibility

Well Money’s Asset Finance is provided as a referral partnership with WellCap Collective Pty Ltd (“WellCap”). Using the comparison services and providing your details, the lending partners will evaluate your application, provide a suitable credit contract, and inform you of the outcome. Well Money, WellCap and our lending partners will disclose all fees, charges, and terms before any contract is entered into. To provide unbiased home loan services, Well Money does not receive a referral fee if you proceed. WellCap may receive a referral fee if referred to a lending partner, the amount of which is not determinable. We advise seeking independent legal and financial advice before engaging in any financial products.

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Refinance calculator

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* Comparison rate warning

Interest rates

Fees and charges

Lenders Mortgage Insurance (LMI) may be payable

Credit approval and eligibility

Referral partners approval and eligibility

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New customer enquiry

Existing customer service