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, low rate owner occupied 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.
Choosing the right solution for you
No upfront credit checks and pre-approvals available
Whether you’re upgrading or downsizing, an owner occupied home loan can provide a solution that allows you to find the right home for you. With pre-approvals available for all purchases, going to auction and house hunting has never been easier.
A Well Money live in home loan also comes packed with features.
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.
We've got options available to help you with even a small deposit. Not everyone has a 20% or 40% deposit, so we've made the right solutions available to you.
Once you’ve made enough additional repayment, you can get access to your funds to transfer out. Great for emergencies.
Make additional repayments when you want to. Some limits do apply for fixed rate loans though.
Featured Well Money home loans
Get lower rates from day 1 with our super-low rate home loans.
No unfair loyalty systems or unnecessary features. Just great features, at a great rate.
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NOTE: LMI Premium is payable for all loans over 80% LVR. Max. LVR’s include Capitalising LMI Premiums into your loan.
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!
Introduction to bridging
Bridging loans are short-term loans designed to bridge the gap between selling your current property and buying a new one. They provide immediate cash flow for buyers who would otherwise have to wait for their current home to sell.
With a bridging loan, you can purchase your new home before you’ve sold your existing property. The loan is secured against your existing property, and when you sell it, the proceeds are used to pay off the bridging loan.
With a bridging loan, you can purchase your new home before you’ve sold your existing property. The loan is secured against your existing property, and when you sell it, the proceeds are used to pay off the bridging loan.
Bridging loans are frequently used to fund property purchases at auctions, renovation projects, or real estate development opportunities. They can also be used in any situation where you need short-term financing related to real estate.
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Once you’re ready to chat about a Well Money home 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.
Enquire about our home loans by filling out the enquiry form, booking an appointment online or using our livechat features.
Once we've got your enquiry, we'll get you booked in with an expert who can chat to you about your owner occupier options.
Once you've been approved, you'll be able to rest assured that you're ready to go with the buying and selling process.
Once you've settled your home loan, you can start the process of relaxing in your new dream home.
Really important information
Got questions?
When you take out an owner-occupied home loan, you’re generally required to live in the property for at least 12 months. This condition is essential to the loan agreement, and failing to meet it could be considered fraudulent misconduct.
The Australian Tax Office (ATO) defines a main residence based on the following criteria:
Ensuring you meet these requirements is crucial when securing an owner-occupied home loan.
You can do this after the allocated period has lapsed, generally 12 months. If you want to rent your home out before the allocated period, you will likely be subject to fees and costs associated with investment properties rather than residential properties.
It’s also really important to talk to your accountant or financial planner about any possible tax implications of the structure of your loan.
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.
(not built into our rates unlike other "fee-free" lenders with higher rates)
(Well Money will arrange for quotes if required for unusual property(s))
(depending on your loan structure - this is a reasonable estimate)
(if required at Australia Post)
(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 title rego, discharge of outgoing and title search costs)
(These will vary by state but usually includes title rego, discharge of outgoing and title search costs)
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If you can attach an offset account into your home loan, you will be able to
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. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.
NOTE: The comparison rate shown in this example assumes a maximum LVR of 80% and no offset option. If your LVR is different and/or you take an offset option, your comparison rate will be different.
Interest rates current as at the following date: 7th January 2025. Interest rates are subject to change at any time without notice. The actual interest rate on your home loan will be quoted at the time of settlement along with the actual repayment amounts.
Interest Rates may change between the time of your application and settlement of your loan due to market conditions.
Interest rates for existing customers may not be the same as interest rates for new customers. If you have paid a Rate Lock Fee, the rate provided will be listed on your letter of offer and will take effect upon acceptance and payment of the rate lock fee. Rate lock is not available for all fixed rates products.
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 charged 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))
For loans with an LVR over 80%, LMI will be required. This premium is to be paid by the borrower and may be payable from loan proceeds.
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.
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Well Money® is the trading name of Flexstar Mortgage Corporation Pty Ltd | ABN: 30 154 777 152 | Australian Credit Licence 430334
