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)
Embark on your financial journey with WellHub, the Well Money Learning Centre. Discover expert tips, facts, and clever home loan strategies. Don’t miss out – dive into financial wisdom today!
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