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.*
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 year |
---|
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 year |
---|
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 year |
---|
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 year |
---|
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 year |
---|
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 year |
---|
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 year |
---|
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 year |
---|
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 year |
---|
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 year |
---|
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:
Well settlement fee:
Well annual fee:
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:
Third party settlement fee:
Solicitors document fee:
Identity fee:
Government fees:
PEXA fees:
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.
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!
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.
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
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