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 and one of our dedicated brokers will reach out to guide you every step of the way—whether you’re buying, refinancing, or exploring your options.
1300 555 444
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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.
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