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.
Comparison rate* p.a.
The Well Balanced 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 for them. Every fixed rate home loan also comes 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.
NOTE: LMI Premium is payable for all loans over 80% LVR. Max. LVR’s include Capitalising LMI Premiums into your loan.
Get even more information
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! Every lender should have a Key Fact Sheet (it’s the law) and lets you compare your individual situation!
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.
(not built into our rates unlike other "fee-free" lenders with higher rates)
(offset feature is optional)
(only if you payout your loan of course!)
(Well Home Loans will pay up to $300 per loan, any excess valuation fees are payable by the borrower(s))
(depending on your loan structure - this is a reasonsable estimate)
(per applicant at Australia Post or come-to-you ZipID)
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 stamp duty, title and mortgage rego, and title search costs
Our smart tech gives you a good estimate of Govt. stamp duty charges though!
PEXA fee applies for online settlements only. Old school paper settlements are at cost.
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!
No bait and switch either…
As an online lender, we often get asked about our rates for existing customers and if we pass on rate changes. Well, in keeping with our mission of providing customers with the lowest rate we can, just take a look at our existing customer rate movements.
We don’t guarantee that existing customers and new customers get the same rates. We pass on whatever savings we can though!
Read up more here as we explain why home loan rates are different for new customers
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.
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.
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.