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Home loans that fit you
just right

How our loans are made to fit all kinds of people

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 you can get with a well home loan

Not all home loans have to be boring. We've got some great features built into all our products.

Redraw facilities

If you've paid off more than you owe, then you can get access to those funds.

Pay it off sooner

Ability to make additional repayments to own your home sooner.

Flexible repayments

Weekly, fortnightly and monthly payment schedules available.

Offset Accounts

Put your savings away and reduce your interest on your home loan.

Debit Card

Get access to your additional funds when you need it with a Debit Card.

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 »

Why are our home loans so special?

Because there is help for those times you need it most

A Well Home Loan is designed to help you when no one else wants to. We don't focus on having the cheapest home loan rate in the world, just the right type of home loan for you.

If you've been knocked back by other lenders, then it can feel a little demoralising and put you off ever getting a home loan. Well.... that's where we can help.

Why should you have to live your life the way a bank wants you to? If you've got irregular income, are self employed, have issues with your credit or just going through a hard time in life, then don't give up your dream of having your own home.

How we assess your situation

Most other lenders have rigid eligibility criteria, and if you don't fit their mold then you don't qualify for a loan. At Well, we've tailored home loans that can fit different situations.

What you earn

We look at what you earn over a different period of time than a traditional lender. This can suit those that show irregular income over shorter time frames.

What you owe

Using rough percentages isn't the best way to work out exactly what you owe to other people. We get the right information to help you see the bigger picture.

What you spend

Looking at what you actually spend rather than just relying on benchmarks means we know more about your situation. Who even has 2.3 kids anyway?

What's your history

No Credit Scoring! We look at each record on your credit report to get a proper picture of you and your credit history. We don't like to put a score on people's lives.

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.