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Low rate online home loans

An award winning online lender.

With some of the lowest rate home loans in Australia, we couldn’t be prouder to add a Money magazine award to our cabinet.

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.

No upfront credit checks so it doesn’t hurt to get started.
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Our “live-in” rates for your home

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 sacrifice the super low rate.  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.

Equity Plus home loan

Variable P&I - Live In

  • 6.16% p.a interest rate
  • 6.19% p.a comparison rate
  • Max 60% LVR
  • 100% Bank backed offset For $10 per month
  • Loan amounts: $100k - $2m
  • Free redraw available
  • Split loans
  • Additional repayments
Do I qualify?

Balanced 80 home loan

Variable P&I - Live In

  • 6.19% p.a interest rate
  • 6.22% 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 home loan

Variable P&I - Live In

  • 6.64% p.a interest rate
  • 6.67% 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?

1 year fixed

P&I - Live In

  • 6.19% p.a interest rate
  • 6.22% 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

P&I - Live In

  • 5.94% p.a interest rate
  • 6.17% 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

P&I - Live In

  • 5.89% p.a interest rate
  • 6.14% 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.

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.

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Discover more tips and guides at WellHub

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