Well Home Loans

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 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.

Lowest rates start from:


interest rate p.a.


comparison rate p.a.*

Note:  Lowest rate shown is our 1 year fixed P&I for owner occupiers

Apply now
Finder award for best 3 year fixed owner occupied home loan
Money Magazine award for Best of the Best basic home loan non bank
Finder award for best 3 year fixed owner occupied home loanMoney Magazine award for Best of the Best basic home loan non bank

Home loans worth talking about

We started Well Home Loans 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 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.

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.

  • Great low rate

  • 100% Offset available

  • Options to 90% LVR

  • Extra repayments allowed

FIXED – 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.

Owner occupier rates
FIXED – P&I “Investor”

Investment rates from:


interest rate p.a.


comparison rate p.a.

Keep more rental revenue in your own pocket.

Investor rates

Buying property?

No need to worry. We have dedicated home loan experts that can walk you through each step so that you feel confident in the home-buying process. Plus, get access to educational tools and resources when you need them.

I’m looking to buy a place
Illustration of a lady jumping for joy in front of a newly purchased house

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!

I’d like to save

Personalise your lending scenario right now

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

Anytime, anywhere

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

Personalised rate

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

Crunch the numbers

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

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!

Start my WellCheck

Why Well Home Loans

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.

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

  • ‘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!

  • 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’s no upfront credit reports and you can walk away with answers that you need.

Start my pre-qualify
Get prequalified on your home loan with a WellCheck

Discover more tips and guides at WellHub

More Articles

Disclaimers and things you should know

* Comparison rate warning

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.

What is a comparison rate?
Interest rates

Interest rates current as at the following date: 14th May 2021 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.