Home is not a place…It’s a feeling.

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.

At Well, we’re as personal as online gets!  Our Australian based home loan experts are ready to help with your home buying journey; from application to settlement all on the time frames you need.

  • The Well Balanced home loan is the ideal product for those looking to purchase a home to live in with confidence.  Packed full of features, with a super low interest rate is designed to help save you money and pay off your home sooner.


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  • Great low rate

  • 100% Offset available

  • Options available to 90% LVR

  • Extra repayments allowed


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Live in benefits

  • Great low rate

  • 100% Offset available

  • Options available up to 90% LVR

  • Extra repayments allowed

Get the right feeling with our low 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.

NOTE: LMI Premium is payable for all loans over 80% LVR

Well Balanced variable live-in options

NOTE: LMI Premium is payable for all loans over 80% LVR

Well Balanced fixed rates

NOTE: LMI Premium is payable for all loans over 80% LVR

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. Don’t let your dream home become someone else’s reality!

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

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 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.

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

  • ‘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!

  • 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

Get pre-qualified.

It’s simple and quick.

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.

Get pre-qualified
Get prequalified on your home loan with a WellCheck


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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.

What is a comparison rate?
Interest rates

Interest rates current as at the following date: 11th May 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.