Experience the difference

Award winning fixed rate home loans.
With 100% offset.

Join the family today and experience the Well Money difference.

Featured rate - Fixed 3 year | P&I | Live-In


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No upfront credit checks.
Free to try.

Featured rate - Fixed 2 year | P&I | Investor


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No upfront credit checks.
Free to try.

Illustration of a lady jumping for joy in front of a newly purchased house

Choosing the right partner for you

Why choose Well Money?

We’re not like other online lenders. As a 100% family-owned Australian business, we understand the importance of financial stability and security. That’s why we prioritise old-fashioned customer service at the heart of everything we do.

At Well Money, our mission is to offer the lowest possible rates while providing service that’s second to none. We cater to your financial needs with a range of products, including our award-winning fixed-rate home loans designed for flexibility and peace of mind.

Our fixed-rate home loans come with great features, including a 100% offset account—a unique benefit that allows you to reduce interest while enjoying consistent, predictable payments. Choose Well Money for your home loan needs and experience the perfect blend of low rates and exceptional service.

Lower rates

Our competitive rates can make your finances more manageable.

100% Offset account

It's a unique feature of our home loans! Let's see a bank beat that.

Flexible options

With a variety of loan types and options, a Well Money home loan can be fully featured.

Effortless process

You've got enough on your plate running a business so we'll hold your hand the entire way, making it easy as possible.

Canstar best home loan lender award badge
Mozo expert choice award for best offset home loan 2022
Finder best owner occupied fixed rate winner 2020
Ratecity best variable home loan award for 2022
Money magazine best of the best 2021 best basic home loan award

Understanding your financial needs

Securing a suitable home loan can be a challenging experience, but it doesn’t have to be! At Well Money, we understand that stability and predictability are key when you’re planning your financial future.

With a Well Money fixed-rate home loan, you’ll enjoy predictable monthly payments, protection against interest rate increases, and financial stability. Our loans make it easier to budget, plan, and achieve your long-term financial goals without the worry of fluctuating interest rates.

You’re speaking directly to the people making the decisions, ensuring you receive personalised service that you won’t find with the banks. Owning your home is within reach. If you’re looking for finance, we’re here to help. Get in touch with us online or reach out to our team at 1300 899 724 for specialised assistance tailored to your needs.

Featured Well Money fixed rate home loans

Amazing fixed-rate home loans

Don’t settle for higher rates on fixed rates. Get lower rates from day 1 with our super-low rate,fixed rate home loans.

No unfair loyalty systems or hidden fees. Just great features, at a great rate.

"Live in" fixed rate home loan

Well Balanced - Fixed 3yr


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"Investor" fixed rate home loan

Well Balanced - Fixed 2yr


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Publications featuring
Well Money experts

Fixed rate with 100% offset?

“I didn’t even know that was possible!”

Many people aren’t aware that with a Well Money fixed rate home loan product, you CAN have a 100% bank backed offset account.

Not sure how an offset can help you save? Just have a look at how the offset works for you.  Even more helpful if you’re looking to use your offset as a transaction account.

NOTE: Available on Well Balanced and Equity Plus home loan products for both fixed and variable rate options.

Ready to get started? It's so easy.

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 home loan interest rates, see your borrowing power and calculate repayments

You can use this one tool as a mortgage calculator, borrowing power calculator and see interest rates 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!

Let us know your details

Using the below enquiry form or you can even just call us
on 1300 899 724

Chat to the team

Talk direct to our home loan expoerts who will help work your borrowing potential and see how much your loan repayments might be.

Personalised rate

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

Get the answers you need

Pre-approval or full approval! It's up to you and no upfront credit checks too!
Getting started with fixed rate home loans

Let's get to know each other

Once you’re ready to explore what Well Money can help you with, it only takes a few minutes to get started by filling out the form below!

At Well, it’s as personal as online gets.

Hi there! What's your name? - Step 1 of 3
Hi there! What's your name?
Let us know who we're going to be getting in touch with 🙂
Getting started with Well Money

How does our home loan process work?

Once you’re ready to explore a Well Money home loan, it only takes a few minutes to get started.  Filling out our easy application form (so that we can make sure you’re eligible) is all it takes!

At Well Money, it’s as personal as online gets.

Step 1

Start your form

Just hit the "get started" button and fill out the enquiry form. There's no upront credit checks either.

Step 2

Book appointment

Our lending team will get in touch with you to confirm all your details and help answer any of your questions.

Step 3

Get approved

Once we're sure we can work together, then you can finalise your application and we'll get your decision sorted out super fast.

Step 4


Being such a fast process means that you can celebrate your new home loan even quicker. Easy!

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Unlock more than just savings

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.

Real people, real savings.

Experience the power of Knowledge.

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!

Optus data breach: No Well Money systems have been compromised as a result of the Optus data breach. We take security very seriously and continue to monitor the situation.
You can find out more here