Already started an interview? Just login to your account and continue where you left off...

Simple, easy home loans.

Getting the right home loan has never been easier with a Well
loan that fits you just right.

Say hello to some great rates

With just a few simple products, we reduce the stress of having to search through thousands of home loans only to be presented with a few hundred to choose from. A well home loan is designed with you in mind and caters for your situation.

2.99% p.a.

Interest Rate

3.00% p.a.

Comparison Rate *

Live in home loans

Applies to our Well Balanced home loan product.

Learn more »

3.34% p.a.

Interest Rate

3.35% p.a.

Comparison Rate *

Investor home loans

Applies to our Well Balanced home loan product.

Learn more »
Rates effective from 29th July 2019
Even if you apply before 29th July 2019 you are still eligible for this new rate.
* 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.

More home loans designed to fit your situation

Most other lenders have fairly rigid eligibility criteria and if you don’t fit the mold, then you don’t fit the loan. At Well, we’ve tailored home loans that can fit different situations.

Home loans shouldn’t be hard

No gimmicks, no hidden fees, no hidden rates. Just simple, easy home loans. The way it should be.

Open and honest

It's about time there's more transparency in the lending process. Why hide it, when we can hopefully help you learn more.

More free time

You can apply online in your own time and at your own pace. No waiting around for someone to visit or ring you.

All about you

We don't rely on benchmarks, averages or estimates. We ask about you and your life, to easily fit the right loan.

Better by design

Choose the features that you want in a home loan. We don't force you to take a bundle of features just to get a lower rate.

Why choose a Well home loan?

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

Well is direct to you

We cut out a lot of the hidden costs that are involved in the mortgage process. This means that we lend direct to you and ensure that you get the best rates we can offer.

Transparency

'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 & transparent if all you want is a home loan?

Easy to understand

We believe in educating people about the biggest financial decision of their life. We make the home loan process as easy to understand as possible.

Life situations, we get it

No one goes out to buy a home loan. We get that. Who wants to buy a home loan? Our loans are meant to help you out in your current life situation. Low rates, tailored features and even loans tailored to those who might have struggled to get a "yes" from other lenders.

We make it easy to find a loan that suits you

With just a few simple products, we reduce the stress of having to search through thousands of home loans only to be presented with a few hundred to choose from. A Well home loan is designed with you in mind and caters for your situation.

Well Balanced

A good credit history and can provide evidence of their income.

Borrow up to 95% of the value of your property.

Well Easy

A home loan for those who don't quite meet the mainstream criteria.

Borrow up to 95% of the value of your property.

Well Restore

For those with recent credit impairment, this home loan is designed to help.

Borrow up to 95% of the value of your property.

What makes a well home loan fit just right?

Most other lenders have fairly rigid eligibility criteria and if you don’t fit the mold, then you don’t fit the loan. At Well, we’ve tailored home loans that can fit different situations.

Great Rates

Our rates start from some of the lowest on the market. And they're not just for those under 80% LVR!

Save by refinance

Well home loans are specifically designed to help you save on interest and repayments.

Debt consolidation

Wrap your other high interest debts into one low rate loan.

Mortgage arrears

Over committed yourself and missed a payment, that's ok.

Bankruptcy issues

So long as you're discharged, we can help you get back on track.

Life events

Life happens and sometimes it gets onto your credit report. We get it.

What home loan is right for me?

Determining which loan is right for you depends on a number of factors including your credit history, loan amount, property location and employment situation. We help you to better understand your situation and ascertain which Well Home Loans product is most suitable during our interview.

If you're refinancing

Refinancing with Well could see you better off in the long run. Understanding your options is just the first step.

If you're purchasing

Use our purchase scenario to understand your borrowing capacity and the most suitable product.

Investors or Owner Occupiers are welcome

If you're a property investor or just live in your home, explore our solutions above or just get straight to it and apply.

Skip the marketing and apply now »

Chat 24/7 via Facebook Messenger

Meet Jewell.
Our chatbot with a name that's spelt a little different. Always on and never judging, you can talk about your financial situation, with no embarrassing meetings or phone calls. Just help. When you need it.

Give it a go, right here - just hit the "Send to Messenger" button.

Discover the right solution for you

We're not a stuffy old bank. We're a modern online home loan provider.