We’re here to help for the whole home buying journey.  With helpful guides and Australian based experts conveniently located just a phone call away, the Well product range is ideally suited for those looking to buy a home.  Whether it’s for owner occupiers or investors, you’ll be sure to find a great low rate with us.

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

For most of us, buying property isn’t something that we do all that often.  It’s an exciting time once you’ve made the decision to become a home owner and we’re here to make the experience a lot less intimidating.

Make sure that you do your research in the area you wish to buy in. It’s a good idea to obtain a property report before you go to auction or make an offer.

This can help you see a sales history and some comparable sales of other properties in the area.

To stay informed on what properties are for sale, you should look to get automated alerts from your favourite property site. We recommend using homely.com.au free alerts – it’s pretty awesome.

It’s important to always work out what you’re willing and able to spend on a property.

Working out what the most you’ll be able to spend on a property means that you can set your own expectations before setting your sights on something that you can’t afford.

Every lender has a different way of working out the most they will lend you and of course the more the house, the more that you have to pay in government fees too.

Once you’re ready to make an offer or bid at auction, it’s important to make sure that you can get your finance approved.

By obtaining a conditional approval from your lender, you can know exactly what situation you’re in and the vendor knows that you’re serious about getting that property too!

Well makes it easy to apply at any time of the day (or night) using our online interview that takes you through the whole process to get your financial picture, at a time that suits you.

Once you’ve decided that you want to buy a home, the journey from that point on is one of the most exciting ones that you’ll go on.

It’s also one of the biggest financial decisions of most Australian’s lives. There’s a lot to consider when purchasing a home, and Well helps to make this journey easier.

If you haven’t already done this, go and create a budget. There are so many apps out there that this should be something that every Australian does. Once you’ve got this in place, you’ll know straight away how much those mortgage repayments are going to affect your current lifestyle.

It’s important to remember – just because you can borrow something, doesn’t mean that you should. Always get to know what your borrowing capacity is – what the maximum a lender will actually lend based on your finances. Sometimes, this can be higher than what you need, but with your budget in place you’ll know exactly what’s going to be manageable for you. A WellCheck will help you get your personalised scenario in a little as a few minutes.

A lot of people don’t realise the additional costs of buying a home. The costs don’t stop with the amount that you pay for your dream home. There’s also a number of government fees that are required to be paid along with your own fees in getting legal advice and even just that thank-you gift for getting your friends to help you move. Well makes this transparent the whole way through your interview so that you know exactly what you’re getting into.

Once you have considered all of the above, you’re probably ready to start looking for that dream home. We recommend using alerts to let you know when something in your price range and ideal locations becomes available so that you can start inspecting. We recommend using homely.com.au for your property search needs.

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 sacrifice the super low rate that makes us proud to offer to you.

With both Variable and Fixed rate options, there’s sure to be a product option to suit you.

Get even more information

Grab our latest brochure or if you want to compare apples with apples and see how the Well Balanced stacks up against others, get a Key Fact Sheet!

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.

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.

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

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

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

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.