Well Money

As personal as online gets

Well stays by your side from start to finish, whether you’re refinancing an existing mortgage or buying a home. Our award winning online 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.

Lowest rates start from:


interest rate p.a.


comparison rate p.a.*

Note: Lowest rate shown is our variable P&I home loan for owner occupiers.
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Super low online rates

We don’t wait to reward you with lower rates. Our super-low interest rates save you from day 1!

No gimmicks, no pro-packs stuffed with features you don’t want but need to take, no unfair loyalty systems. Just great features, at a great rate.

  • Award-winning low rate

  • 100% Offset available

  • Options to 90% LVR

  • Extra repayments allowed

P&I “Live in owner-occ”

Owner occupied rates from:



interest rate p.a.



comparison rate p.a.

Designed to help you own your home sooner.

See all Owner occupier rates
P&I “Investor”

Investment rates from:



interest rate p.a.



comparison rate p.a.

Keep more rental revenue in your own pocket.

View other Investor rates

Buying property?

No need to worry. We have dedicated Australian based home loan experts that can walk you through each step so that you feel confident in the home-buying process. Makes your online home loan experience a lot more personal. Plus, get access to educational tools and resources when you need them.

I’m looking to buy a place
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Looking to refinance?

Leaving your current lender? No need to stress. We’re here to help make sure that it’s not a messy breakup and you get to stay in full control – and save on your repayments in the process!

Help me save
Ratecity gold award logo for best refinance home loan 2021
Mozo experts choice award best offset home loan 2021
Finder award 2020 for 3 year fixed home loan
Money Magazine Best of the Best 2021 award for best value basic home loan

Home loans worth talking about

Home loans worth talking about

We started Well Money with a mission of keeping our rates as low as possible while ensuring that the service we provide to our customers is second to none. The Well Balanced online home loan is an award-winning product that’s designed to be flexible. It comes with great features that you can choose if you need it, without sacrificing our super low rates.

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Online made easy

We’re a different kind of online lender that treats you like part of our family, keeping it simple and convenient.

Home loan experts

Access to your very own Australian based home loan consultant who will be there with you for your entire home loan journey.

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Try before you buy

We’re a different kind of online lender that treats you like part of our family, keeping it simple and convenient.

Personalise your lending scenario now

When looking at your home loan options, it’s important to get the numbers right. Start your WellCheck today – it’s the online, fast and simple way to get your personalised borrowing scenario in less than 60 seconds.

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Start my Free WellCheck
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Anytime, anywhere

Get personal at an open inspection or from the comfort of home.

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Personalised rate

Seeing a headline rate is nice; a rate that’s personalised to you is nicer.

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Crunch the numbers

Work out your Maximum Borrowing potential and see how much your loan repayments might be.

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No credit check

Find the answers you need without having to go through a full application. WellCheck doesn’t impact your credit score at all!

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Why Well Money

We’re not a traditional online lender. We’re a non-bank lender that just happens to live online. So what that means is some good old fashioned customer service is at the heart of what we do.

  • Cutting out a lot of the costs, means that we lend direct to you, ensuring that you get the best rates we can offer.

  • ‘Pro packs’ full of features you didn’t want but had to pay for in order to get a cheaper rate? Why can’t it just be simple!

  • We believe in educating people about the biggest financial decision of their life.

  • No one goes out to buy a home loan. We get that. Our loans are meant to help you!

See what others are saying about us

See what others are saying about us


Get pre-qualified today

Most other lenders have fairly rigid eligibility criteria and if you don’t fit the checkboxes, then you don’t fit the loan.

Getting pre-qualified with Well means there are no upfront credit reports and you can walk away with answers that you need.

Start my pre-qualify
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