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Low rate investment home loans

Investing in your future. Maximise it today.

Well Money stays by your side from start to finish, whether you’re refinancing an existing home loan or buying a new home. Our award winning online home loans have the kind of features you’d expect from a bank, with the super low rates from an online lender and the personal support you’d expect from a family run company.

Low P&I variable rates from:

3.48%

Interest rate p.a.

3.51%

Comparison rate* p.a.

No upfront credit checks so it doesn’t hurt to get started.
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Our super low investment rates

The Well Money investment home loan is an award-winning product that’s designed to be flexible.  It comes with great features that you can choose if you need it, without having to sacrifice a super low rate to get them.  Both fixed and variable rate home loans also come with option of a 100% bank-backed offset account!

With our Fixed rate options, you can even split your loan into a little fixed and a little variable, so there’s sure to be a product option to suit you.

Balanced 80 Investor

Variable P&I - Live In

  • 3.48% p.a interest rate
  • 3.51% p.a comparison rate
  • Max 80% LVR
  • 100% Bank backed offset For $10 per month
  • Loan amounts: $100k - $5m Loan amounts over $2m may be LVR restricted. Get in touch so we can check for you.
  • Free redraw available
  • Split loans
  • Additional repayments
Do I qualify?

Balanced 90 Investor

Variable P&I - Live In

  • 4.18% p.a interest rate
  • 4.21% p.a comparison rate
  • Max 90% LVR
  • 100% Bank backed offset For $10 per month
  • Loan amounts: $100k - $5m Loan amounts over $2m may be LVR restricted. Get in touch so we can check for you.
  • Free redraw available
  • Split loans
  • Additional repayments
Do I qualify?
Lowest rate

1 year fixed

Fixed P&I - Investment

  • 4.84% p.a interest rate
  • 3.64% p.a comparison rate Comparison rate is lower on our fixed rates as the loan reverts to our standard variable rate.
  • Max 90% LVR
  • 100% Bank backed offset For $10 per month
  • Loan amounts: $100k - $2m
  • Split loans
  • Additional repayments Additional repayments max $20k p.a.
Do I qualify?

2 year fixed

Fixed P&I - Investment

  • 5.54% p.a interest rate
  • 3.88% p.a comparison rate Comparison rate is lower on our fixed rates as the loan reverts to our standard variable rate.
  • Max 90% LVR
  • 100% Bank backed offset For $10 per month
  • Loan amounts: $100k - $2m
  • Split loans
  • Additional repayments Additional repayments max $20k p.a.
Do I qualify?

3 year fixed

Fixed P&I - Investment

  • 5.99% p.a interest rate
  • 4.18% p.a comparison rate Comparison rate is lower on our fixed rates as the loan reverts to our standard variable rate.
  • Max 90% LVR
  • 100% Bank backed offset For $10 per month
  • Loan amounts: $100k - $2m
  • Split loans
  • Additional repayments Additional repayments max $20k p.a.
Do I qualify?
NOTE: LMI Premium is payable for all loans over 80% LVR.  Max. LVR’s include Capitalising LMI Premiums into your loan.

Feature packed. Super low rates.

Get even more information

Grab our latest brochure or if you want to compare apples with apples and see how the Well Money home loans stack up against others, get a Key Fact Sheet!

100% offset accounts

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.

Split loans

Feel like hedging your bets? Get a little fixed and a little variable – you decide with our split loan options on our low rate loan.

Additional repayments

Make additional repayments when you want to. Some limits do apply for fixed rate loans though.

Free redraw

Once you’ve made enough additional repayment, you can get access to your funds to transfer out. Great for emergencies.

What about fees?

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.

NOTE: Always get a copy of a lenders Key Fact Sheet.  It will show you the total repayments per year including fees so you can compare how much you’ll pay on your home loan.

Fees charged by Well
Amount
Application fee:

(not built into our rates unlike other "fee-free" lenders with higher rates)

$250
Annual fee:
$0
Offset account fee

(offset feature is optional)

$10 / month
Discharge fee:

(only if you payout your loan of course!)

$300
Fees charged by third parties
Amount
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))

Funder processing fee:
$150
Solicitors document fee:
from $385

(depending on your loan structure - this is a reasonsable estimate)

VOI fee:
from $49

(per applicant at Australia Post or come-to-you ZipID)

Government fees (refinance):

These will vary by state but usually includes title rego, discharge of outgoing lender and title search costs

approx $260-$450
Government fees (purchasing):

These will vary by state but usually includes stamp duty, title and mortgage rego, and title search costs

Property value dependent

Our smart tech gives you a good estimate of Govt. stamp duty charges though!

PEXA fee:

PEXA fee applies for online settlements only.  Old school paper settlements are at cost.

approx $60

Personalise your lending scenario now

Meet WellCheck. It’s our personalised borrowing scenario tool that takes 2 minutes to complete so you can get comfortable with some indicative numbers about your own situation. Check rates, see your borrowing power and calculate repayments all from the one place. It’s free and we don’t run a credit check at this point either – so you might as well go for it!

Start your WellCheck

Get personal at an open inspection or from the comfort of home.
1

Crunch some numbers

Work out your Maximum Borrowing potential and see how much your loan repayments might be.
2

Personalised rate

Seeing a headline rate is nice; a rate that’s personalised to you is nicer.
3

No upfront credit checks

Find the answers you need without having to go through a full application. WellCheck doesn’t impact your credit score at all!
4
Canstar best home loan lender award badge
Ratecity best variable home loan award for 2022
Mozo expert choice award for best offset home loan 2022
Finder best owner occupied fixed rate winner 2020
Money magazine best of the best 2021 best basic home loan award

Home loans worth talking about

We started Well Money with a mission of keeping our rates as low as possible while ensuring that the service we provide to our customers is second to none.

The Well Money online home loan is an award-winning product that’s designed to be flexible. It comes with great features that you can choose if you need it, without sacrificing our super low rates.

Online made easy​

We’re a different kind of online lender that treats you like part of our family, keeping it simple and convenient.

Explore our home loans

Home loan experts

Access to your very own Australian based home loan consultant who will be there with you for your entire home loan journey.

Get in touch

Try before you buy

We’re a different kind of online lender that treats you like part of our family, keeping it simple and convenient.

Start a FREE WellCheck
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Why Well Money?

We’re not like other online lenders. We’re a non-bank lender that just happens to live online.

That that means some good old fashioned customer service is at the heart of what we do.

See what others are saying about us

Let's get started

Get pre-qualified today

Most other lenders have fairly rigid eligibility criteria and if you don’t fit the checkboxes, then you don’t fit the loan.

Getting pre-qualified with Well means there are no upfront credit reports and you can walk away with answers that you need.

Illustrated people standing around reviewing numbers on a dashboard

Discover more tips and guides at WellHub