Well Rewards is the officially awesome “refer-a-friend” program, designed specifically to allow you to get rewarded when referring family and friends to us.
Choosing the right solution for your friends
No upfront credit checks and pre-approvals available
It’s easy – you can refer your friend using your referral code. Your friend gets to save when they’re applying with a little boost by using your code, and access to one of the lowest rate home loans in Australia too.
When your friend settles on their home loan, you’ll get rewarded too! It’s our way of saying thanks.
You'll get a nice shiny gift card which you can spend on almost anything you want! Awesome!
Your friend can save with one of Australia's lowest rates AND $250 off their application fee!
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It’s really simple to refer your friends. A few steps is all it takes.
Your personalised referral code will be in your email or SMS messages. If you can’t find it, get in touch and we’ll resend it to you immediately.
Share your code with your friends and let them know that they must be a new customer. Refer as many as you want too!
During your friends application, the last step will ask for a code. This is where they enter the code you gave them.
At settlement, not only has your friend got a great home loan, you’ll get notified about your rewards. Everyone’s happy!
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!
Got questions?
Got questions? Here’s the answers to the most common questions we get.
Some common reasons include:
If the details of the customer you referred and the customer that settled their loan don’t appear to match up right.
We’ve partnered with Prezzee to deliver our WellRewards Smart eGift Cards. Your rewards card will be delivered directly to your email and all you need to do is to choose exactly where you would like to spend your rewards.
Carefully check your junk folders, just in case it’s there, and simply follow the instructions in the email. This email will be sent directly from Prezzee on our behalf.
Best of all, once you’ve decided where you want to treat yourself (or someone else if you want), you can store your cards in your phones digital wallet (for iOS and Android devices). Good for the environment as there’s no plastic or paper waste floating around and it’s one less thing to worry about losing.
For those who aren’t confident with digital wallets, you can always print your cards too.
With our Smart eGift Cards, you will need to swap your amount for any of the retailers available (there’s hundreds to choose from!). You can even decide to swap your balance to spend at multiple retailers too.
Enjoy!
Things to note from our lawyers
At any time Well reserves the right to suspend, terminate or amend the Well Rewards Refer-a-Friend program without notice. Any referral that we deem, in our absolute discretion, to be unlawful, unreasonable, at risk of requiring the referrer to require an Australian Credit Licence or for any other reason that we believe is not in the spirit of our program, may not be honoured.
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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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
