AMAZING FIXED RATE HOME LOANS

Fixed rates. Lock it in and save.

With 100% bank-backed offset accounts

Well stays by your side from start to finish, whether you’re refinancing an existing mortgage or buying a home.  Our award-winning, low rate owner occupied home loans have the kind of features you’d expect from a bank, with the super-low interest rates from an online lender and the personal support you’d expect from a family run company.

Rates start from:

3.45%

interest rate p.a.

2.25%

comparison rate p.a.*

Note: Lowest rate shown is our variable P&I home loan for owner occupiers.
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Feature packed. Super low rates.

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!

Brochure
Key fact sheet

100% offset account

Convenient and simple way to start saving on your interest.  Pop in your salary each month and use the EFTPOS Debit card facility to access your funds.

Free redraw

Once you’ve made enough additional repayment, you can get access to your funds to transfer out. Great for emergencies.

Split loans

Feel like hedging your bets?  Get a little fixed and a little variable – you decide with our split loan options on our low rate loan.

Additional repayments

Make additional repayments when you want to.  Some limits do apply for fixed rate loans though.

Amazing fixed rates

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.

Rates for “live in” home loans

NOTE: LMI Premium is payable for all loans over 80% LVR.  Max. LVR’s include Capitalising LMI Premiums into your loan.

Fixed term options 1 year 2 years 3 years 4 years 5 years
Interest rate 3.45%p.a. 4.42%p.a. 4.64%p.a. 4.98%p.a. 5.00%p.a.
Comparison rate* 2.25%p.a. 2.53%p.a. 2.77%p.a. 3.08%p.a. 3.30%p.a.
Maximum LVR 90% 90% 90% 90% 90%
Loan amounts (min/max) $200,000 - $2mil $200,000 - $2mil $200,000 - $2mil $200,000 - $2mil $200,000 - $2mil
100% offset available
(for just $10p/m)
Redraw facility
Additional repayments (max. $20K p.a.)

Fixed rate options

Fixed 1 yearP&I
3.45%p.a.
interest rate.
2.25%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 2 yearP&I
4.42%p.a.
interest rate.
2.53%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 3 yearP&I
4.64%p.a.
interest rate.
2.77%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 4 yearP&I
4.98%p.a.
interest rate.
3.08%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 5 yearP&I
5.00%p.a.
interest rate.
3.30%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments

NOTE: LMI Premium is payable for all loans over 80% LVR.  Max. LVR’s include Capitalising LMI Premiums into your loan.

Rates for investors

NOTE: LMI Premium is payable for all loans over 80% LVR.  Max. LVR’s include Capitalising LMI Premiums into your loan.

Fixed term options 1 year 2 years 3 years 4 years 5 years
Interest rate 3.62%p.a. 4.48%p.a. 4.86%p.a. 5.13%p.a. 5.20%p.a.
Comparison rate* 2.56%p.a. 2.81%p.a. 3.07%p.a. 3.35%p.a. 3.58%p.a.
Maximum LVR 90% 90% 90% 90% 90%
Loan amounts (min/max) $200,000 - $2mil $200,000 - $2mil $200,000 - $2mil $200,000 - $2mil $200,000 - $2mil
100% offset available
(for just $10p/m)
Redraw facility
Additional repayments (max. $20K p.a.)

Fixed rate options

Fixed 1 yearP&I
3.62%p.a.
interest rate.
2.56%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 2 yearP&I
4.48%p.a.
interest rate.
2.81%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 3 yearP&I
4.86%p.a.
interest rate.
3.07%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 4 yearP&I
5.13%p.a.
interest rate.
3.35%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments
Fixed 5 yearP&I
5.20%p.a.
interest rate.
3.58%p.a.
comparison rate*
90%
maximum LVR
$200,000 - $2mil Loan amounts (min-max)
100% offset available(for just $10p/m)
Free redraw facility
additional repayments

NOTE: LMI Premium is payable for all loans over 80% LVR.  Max. LVR’s include Capitalising LMI Premiums into your loan.

What about fees?

Fees should be transparent as we don’t like bill shock either!

Unlike other lenders, we don’t like to hide our fees in our rates. That’s just one of the many reasons why our home loan rates are some of the lowest in the market. We could just bump our rates up a little and say “no fees!” – but that’s just not us.

Fees charged by Well:

Amount

Application fee:

$250

Well settlement fee:

$0 (normally $250)

Well annual fee:

$0 (unless you want an offset account)

Well discharge fee:

$300 (only if you payout your loan of course) (only if you payout your loan)

Fees charged by Third Parties:

Valuation fee:

Up to $300 free (Well Home Loans will pay up to $300 per loan, any excess valuation fees are payable by the borrower(s))

Third party settlement fee:

from $150 (Funder processing fee)

Solicitors document fee:

from $385 (depending on your loan structure)

Identity fee:

from $49 (per application at Australia Post or come-to-you ZipID)

Government fees:

unascertainable (Refinancing approximately $260-$450 depending on your state; Purchasing varies by property value with stamp duty)

PEXA fees:

Govt. fee from $50 (depending on your home loan scenario)

Personalise your lending scenario 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.

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Start my Free WellCheck
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Anytime, anywhere

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

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Personalised rate

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

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Crunch the numbers

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

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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!

RateCity 2020 Gold award for Variable Home Loan
Mozo experts choice award 2019 for Best New Home Loan
Finder award 2020 for 3 year fixed home loan
Money Magazine Best of the Best 2021 award for best value basic home loan

An award winning home loan

An award winning home loan

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.

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Online made easy

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

Home loan experts

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

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Try before you buy

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

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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.

  • ‘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!

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

  • 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

LET’S GET STARTED

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 are no upfront credit reports and you can walk away with answers that you need.

Start my pre-qualify
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