Your Business, Your Home
Tailored home loans for the self-employed
We help self-employed Australians get approved with flexible options. Fast decisions, personal support, and loans up to 95% LVR.
- Borrow up to 95% LVR
- Speak to a real aussie expert — no robots, no runaround
- Purchase, refinance, or cash-out
- Headstart - get pre-qualified
Choosing the right solution for you
Meeting the unique needs of the self-employed
No upfront credit checks and pre-approvals available
Being self-employed comes with a distinctive set of financial challenges. Your income can fluctuate, and your tax returns can be complex, reflecting a financial picture that’s as unique as your business is. This can make securing a suitable home loan a frustrating experience, but it shouldn’t deter you!
With a Well Money self employed home loan, you’re speaking directly to the people making the decision on your home loan. You just don’t get that kind of service with the banks.
Owning your home is still within reach, even if you are self-employed. If you’re looking for finance, we’re here to help.
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.
Up to 95% LVRs
We've got options available to help you with even a smaller deposit. Not everyone has a 20% or 40% deposit, so we've made the right solutions available to you.
Free redraws
Once you’ve made enough additional repayment, you can get access to your funds to transfer out. Great for emergencies.
Additional repayments
Make additional repayments when you want to. Some limits do apply for fixed rate loans though.
Financing solutions for the self employed
Don’t be penalised with higher rates for backing yourself. Get lower rates from day 1 with our super-low rate, self-employed home loans.
No unfair loyalty systems or hidden fees. Just great features, at a great rate.
- Max 95% LVR available
- Higher loan amounts available
- Flexible security properties
- Flexible income verification
- 100% Offset accounts
FEATURED "Live IN" loan
Next step 80
- Great for refinancing
- 80% max LVR
- Loan amounts: $150K - $1.5m
6.21%
Interest rate p.a.
6.25%
Comparison rate p.a.
simple "investor" loan
Next Step Investor 80
- Expanded Borrowing Capacity
- Flexible income options
- Loan amounts: $150K - $1.5m
6.46%
Interest rate p.a.
6.50%
Comparison rate p.a.
NOTE: LMI Premium is payable for all loans over 80% LVR. Max. LVR’s include Capitalising LMI Premiums into your loan.
How to get started with Self Employed home loans
Your dream home starts here
At Well Money, we’re here to make borrowing simple, personal, and stress-free. Fill in your details below, and one of our dedicated loan experts will reach out to guide you every step of the way—whether you’re buying, refinancing, or exploring your options.
Great rates, tailored solutions, and expert support are just a few clicks away. Take the first step today!
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How to get started?
Once you’re ready to chat about a Well Money investment 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.