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.
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.
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.
Online made easy
Try before you buy
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
| Fixed 1 year |
|---|
| 1.94%p.a. interest rate. |
| 2.18%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 2 year |
|---|
| 1.99%p.a. interest rate. |
| 2.17%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 3 year |
|---|
| 2.04%p.a. interest rate. |
| 2.17%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 4 year |
|---|
| 2.69%p.a. interest rate. |
| 2.37%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 5 year |
|---|
| 2.69%p.a. interest rate. |
| 2.41%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 (max. $20K p.a.) |
| View fees and charges |
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
| Fixed 1 year |
|---|
| 2.26%p.a. interest rate. |
| 2.78%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 2 year |
|---|
| 2.36%p.a. interest rate. |
| 2.75%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 3 year |
|---|
| 2.36%p.a. interest rate. |
| 2.72%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 4 year |
|---|
| 2.99%p.a. interest rate. |
| 2.89%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 (max. $20K p.a.) |
| View fees and charges |
| Fixed 5 year |
|---|
| 2.99%p.a. interest rate. |
| 2.90%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 (max. $20K p.a.) |
| View fees and charges |
NOTE: LMI Premium is payable for all loans over 80% LVR. Max. LVR’s include Capitalising LMI Premiums into your loan.
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!
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.
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.