We're here to help the whole way.  Just fill out our enquiry form and we'll be in touch to chat through your home loan requirements!

Super low rates? Check.

Features designed to help pay off your mortgage sooner? Check.

The kind of support you'd expect from a family run company? Check.

Join the family today and experience the Well Money difference.

Variable Interest rate*

Comparison rate*

Want more discounts? We've got your exclusive coupon code ready to send you.  Just get in touch and we'll send it straight to you!

PSSSST - It's Finder-Investor0922

Don't tell anyone! :)

Included with our super low rates are features that you'd expect from a much higher priced product.

100% Bank-backed offsets are available so you know your money is safe with a real ADI. 

No gimmicks, no pro-packs stuffed with features you don’t want but need to take, no unfair loyalty systems. Just great features, at a great rate.

Great low rate

Interest rate p.a

Valuation up to $300 free!

100% Bank-backed Offset available

Max. LVR of 80%

Comparison rate p.a*

Great low rate

Interest rate p.a

Valuation up to $300 free!

100% Bank-backed Offset available

Max. LVR of 90%

Comparison rate p.a*

*No upfront credit reports, so it doesn't hurt to have a look.

Well stays by your side from start to finish, whether you’re refinancing an existing mortgage or buying a home. Our award winning mortgages 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.

per month

Estimated day 1 repayments

per month

Estimated day 1 repayments

If we take an average home loan of $549,000 and you are borrowing 80% of the value of your owner occupied home, you could be saving a lot of money every month by using our lowest rate!

over life of loan ($129 per month!)

NOTE: See disclaimers for how we calculated this interest rate

*No upfront credit reports, so it doesn't hurt to have a look.

We don’t wait to reward you with lower rates. Our super-low interest rates save you from day 1!

If you can afford to give someone a discount over time - then you should be able to give the same discount from the start.  Because we are able to source wholesale funds, we pass on the savings as soon as we can.

No point waiting for years to get the best rate...

Great low rate

Interest rate p.a

Valuation up to $300 free!

100% Bank-backed Offset available

Max. LVR of 60%

Comparison rate p.a*

Unlike other lenders, we don't like to hide our fees in our rates.  That's just one of the many reason's 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.

Fees charged by Well

Application fee:

$250 (get your coupon code to drop this!)

Well annual fee:

$0 (unless you want offset which is only $10p/m)

Well discharge fee:

$300 (only applies if you're leaving of course)

Fees charged by Third Parties

$0 (Well home loans will pay up to $300 per loan, any fees above this are paid by the borrower(s))

Valuation fee:

from $150 (Funder's processing fee)

Third party settlement fee:

from $385 (depends on your loan structure, but this is a good estimate of the minimum amount)

Solicitor document fee:

Identity fee:

from $49 (per applicant at Australia Post or come-to-you ZipID)

approximately $260 - $450 (Varies by state and includes title registration, discharge of mortgage and title search fees)

Government refinance costs:

Varies by property value (Also varies by state and includes title registration, stamp duty, title and mortgage rego and title search fees)

Government purchasing costs:

Note: All fees except for ID fees can be paid from your loan proceeds which results in less out of pocket expenses up front!

It only takes a few minutes and you'll get your very own personalised borrowing scenario.  Free!

Comparison rate warning

The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Different terms will result in a different comparison rate and the comparison show on this page relates to the current Well Balanced home loan. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.

Interest rates. (Current as at the following date: November 24th, 2023)

All information and interest rates referred to on this site are current as at the date above and are subject to change without notice. The interest rates shown apply to new loans only. Fees and charges apply. Please note that existing borrowers may have different rates depending on the offer at the time of settlement and may be based on any increases or reductions in rates from the lender. Existing customers can check their rates by logging into their internet banking or by getting in touch with our customer service team.

Fees and charges

Fees and charges apply to all loan products. Loan setup fees are payable at settlement. Any discounts or special offers apply only to the fees shown on this page and will be outlined in the loan contract.

Any fees that are payable to third parties, such as Solicitor Documentation Fees are incurred by service providers external from your Lender, are variable in nature depending on the services provided and are passed directly to the applicants. These costs are usually noted as "not ascertainable" and quotes provided with "from" are a reasonable estimate of what we know the costs can start from. This amount does NOT include all costs that may be incurred by these third parties.

Other fees may apply, including a Loan Processing Fee charge by Lender and depends on the structure of your loan. While usually "not ascertainable", the fee is from $150 which is a reasonable estimate of the fee and will be advised to you in your loan contracts.

^ 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))

Lenders Mortgage Insurance (LMI) may be payable

For loans with an LVR between 80% and 90%, LMI will be required. This premium is to be paid by the borrower and may be payable from loan proceeds.

Credit approval and eligibility

All applications for credit are subject to our credit approval criteria. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether the information on this site is appropriate for you. Before making any decision in relation to any of our products you should read the relevant terms and conditions available at the Terms and Conditions page and at our Eligibility page when you apply online.

Repayment Savings calculations

Repayment savings calculations are based on a 30 year home loan. Calculations for comparison between our home loans and other loans are based on the average interest rate across the market as published by mozo.com.au in their home loan statistics (located: https://mozo.com.au/home-loan-statistics). The Average Variable home loan rate for owner-occupiers with a lvr less than 80% was 6.62%p.a. at the time of publishing (October2023) and is the basis for the estimated repayments for "other lender" in our comparison. Big 4 lender interest rate is current as at 1st November 2023. Well Money home loan interest rates used are based on 80% LVR Owner Occupied Well Balanced home loan using rates at top of page.

Big 4 bank comparison rates are published by RateCity and are based on calculations provided below the relevant information.

Flexstar Mortgage Corporation Pty Ltd trading as Well Money

ABN: 30 154 777 152 | Australian Credit Licence 430334

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