It’s not you…it’s them.
Don’t worry, Well Money is here to make sure it’s not a messy break up and you you stay in full control. 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.
Choosing the right solution for you
And so you should! A lot of people don’t review their home loans and can get stuck. A home loan that seemed great when you first started, can become not so great as your circumstances change.
We get that life happens and everyone should be checking out whether a new home loan could be right for them. With a Well Money home loan, not only do we have great features, but we’ve also got super-low rates that could save you thousands!
Refinancing your home loan can be one of the best cost-cutting measures you can take to help reduce your monthly repayments.
If your existing lender can’t match our super low rates, maybe it’s time to experience a better kind of home loan.
With our solution based range, even if you're a mortgage prisoner, we might just be able to help you save money.
Get your personalised borrowing scenario before you commit to a home loan. Means we make sure we’re right for each other first.
Featured Well Money refinance investment 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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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 refinancing your home
Now that you’re considering a change, Well Money might be the better option. Changing your home loan provider is often seen as a difficult and time consuming process. It doesn’t have to be and it can be well worth your while to review this every couple of years to make sure you’re getting a good rate.
Don’t worry, we’re here to help make sure that it’s not a messy break up and you stay in full control.
Some of the more common scenarios that are perfect for you to refinance can include:
Most lenders will have a fee that is payable when you look to switch. So if you’re going to refinance with another lender, you will have to pay your current lender this fee. This will usually be included in the payout figure that you get from your old lender.
Your old mortgage may have had an LMI premium which you paid. When you switch you may have to pay a new LMI premium – which is usually payable depending on your LVR. Whilst it may be capitalised into your new loan, it’s another fee that you may need to pay.
If you’re currently on a fixed rate home loan, then this could be quite costly to switch. Every lender will have provisions for what’s known as a “Fixed Rate Break Cost”. It will be in your current loan contract and is paid to the lender if your fixed-rate expiry date hasn’t occurred yet. It’s not a known cost and is quoted at the time you request it from your current lender.
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Once you’re ready to chat about a Well Money refinance 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 saving on your 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 home loan refinance options.
Once you've been approved, you'll be able to rest assured that you're ready to go with saving money in no time at all.
Once you've settled your new home loan, you can start the process of thinking on what to do with the savings from your old loan.
Really important information
Got questions?
You have a period of 6 months in order to sell your current property. You will need to have an unconditional contract of sale for the sale of your property.
If the existing home has not been sold once the Bridging Finance period ends, repayments will be required on the new home loan in addition to repayments on the existing home loan.
Every loan is different! You will need to make repayments on a Principal and Interest basis, though the interest may be capitalised, i.e. added to the loan amount you will owe at the end of the bridging period once your property is sold. While you can make additional repayments during the bridging period, be aware that there is no redraw facility. You can also use an offset facility to minimise the amount of interest you are charged.
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)
(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)
Let’s get to know each other
Let’s make your journey simple! Whether you’re ready to take the next step or just have a question, our home loan experts are here to help. Book a time that suits you or give us a call—we’re ready to guide you every step of the way.
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