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Simple, easy home loans.
Made to suit you.

We believe in creating simple financial products to
help everyday Australian's meet their lending goals

A modern, online home loan provider

Welcome to Well Home Loans, a home loan provider built from the ground up with Australian home owners in mind. 100% family owned and operated, Well prides itself on good old fashioned customer service.

We're not for gimmicks, not for specials or introductory rates. It's about providing simple, affordable home loans all the time - for all Australians.

How we do it?

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.


'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.

What makes Well different?

As an online, non-bank lender Well can do things a little different from others. We don't have large overheads like some of the big branch lenders and we don't limit ourselves to just a single product like other online lenders.

We understand that everyone's situation is unique and we pride ourselves on helping you achieve your goals.

100% Independant

With so many mortgage companies being purchased by both banks and large overseas fund managers, Well is proud of the fact that we are 100% family owned and operated.

Ready when you are

We've redesigned the way people can get home loans online. We understand that there are different times when you want to get information, so we've made our process available from your phone, tablet, desktop or laptop. Anywhere, anytime!

Help yourself to a better loan

We provide all our information on our website, including scenario calculators, property reports and guides. We've even got a Chatbot called Jewell who you can talk to. You're free to use our resources as we built them for you to help make informed decisions on your home loan goals.

If you're happy with us and want to apply - you can complete an online interview and our lending team will take over and guide you through your home loan application.
Most importantly of all if you're not happy with us or if we just can't be friends, then we're happy if you've managed to learn something along your home ownership journey.

Not just a new lender

For over 40 years, we've been helping Australians achieve their goal of home ownership. During that time, we've been involved in helping the mortgage industry grow into what it is today. We've been a non-bank lender and we've built technology solutions for other brokers and lenders. As times changed, we realised that home loans in Australia have become more complex than they need to be.

That's why at Well, we want to bring back the simple and easy home loans that help people the most.

So what do I do now?

Like what we stand for and want to apply for a loan? Just hit the link below to start your interview towards a brand new shiny Well Home Loan.

Apply for a Well home loan online now

Explore home loans made for situations

Our home loans are made specifically to suit different situations in life.

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.

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.

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.