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 property.  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.

Rates starting from:

1.94%

interest rate p.a.

2.18%

comparison rate p.a.*

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

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Finder award for best 3 year fixed owner occupied home loan
Finder award for best 3 year fixed owner occupied home loanMoney magazine best of the best award

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.

Feature packed. Super low rates.

Get even more information

So you can compare apples with apples and see how the Well Balanced stacks up against others, get a Key Fact Sheet!

Brochure
Key fact sheet
Brochure
Key fact sheet

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 1.94%p.a. 1.99%p.a. 2.04%p.a. 2.69%p.a. 2.69%p.a.
Comparison rate* 2.18%p.a. 2.17%p.a. 2.17%p.a. 2.37%p.a. 2.41%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.)
Fees and charges View fees and charges

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 2.26%p.a. 2.36%p.a. 2.36%p.a. 2.99%p.a. 2.99%p.a.
Comparison rate* 2.78%p.a. 2.75%p.a. 2.72%p.a. 2.89%p.a. 2.90%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.)
Fees and charges View fees and charges

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.

Rates for investment home loans

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

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’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

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

Applying only takes a few simple steps…

Step 1

Apply online

Your application is done online in your own time. No more visits to strangers.

Step 2

Upload your documents

We’ll need to review your documents. Simply upload them and we’ll get moving on it.

Step 3

Settle your loan

Get settled into your brand new home loan! Well done!

Questions?

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. NOTE: The comparison rate shown in this example assumes a maximum LVR of 80% and no offset option.  If your LVR is higher than 80% and/or you take an offset option, your comparison rate will be different.  Refer to the Key Fact Sheet for your actual scenario.

What is a comparison rate?
Interest rates

Interest rates current as at the following date: 24th November 2020 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.

#Additional repayments

Unlimited additional repayments only apply to the variable rate options.  Fixed rate options allow for additional repayments up to a maximum of $20,000.00 per year from the date of settlement of your loan.  Additional information is provided with your loan contracts for consideration.