Say hello to our most popular home loan

Take a look at the rates and features for this award winner.

This award wining home loan is packed full of features with a super low interest rate that helped to beat more than 80 other institutions.

Oh, and it won 4 other awards for Low Cost Home Loan, Offset Home Loan, Split Home Loan and Investor Home Loan.

2019 Best New Home Loan award
  • Great low rate

  • 100% Offset available

  • Options available to 90% LVR

  • Extra repayments allowed

Say hello to our most popular home loan

Take a look at the rates and features for this award winner.

This award wining home loan is packed full of features with a super low interest rate that helped to beat more than 80 other institutions.

Oh, and it won 4 other awards for Low Cost Home Loan, Offset Home Loan, Split Home Loan and Investor Home Loan.

2019 Best New Home Loan award
  • Great low rate

  • 100% Offset available

  • Options available to 90% LVR

  • Extra repayments allowed

Our live-in rates for your home

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.

Well BalancedSpecial Well Balancedstandard
Interest rate 2.97%p.a. 3.07%p.a.
Comparison rate* 2.99%p.a. 3.09%p.a.
Maximum LVR 80% 90%
Loan amounts (min/max) $200,000 - $2mil $200,000 - $2mil
100% offset available
(for just $10p/m)
Redraw facility
Additional repayments
Fees and charges View fees and charges View fees and charges

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

Fixed term options 1 year 2 years 3 years 4 years 5 years
Interest rate 3.63%p.a. 2.99%p.a. 2.99%p.a. 4.49%p.a. 4.59%p.a.
Comparison rate* 3.05%p.a. 3.00%p.a. 3.00%p.a. 3.49%p.a. 3.64%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

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

Our live-in rates for your home

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.

Variable rate options

Fixed rate options

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

Rate options for investors

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.

Well BalancedSpecial Well Balancedstandard
Interest rate 3.27%p.a. 4.04%p.a.
Comparison rate* 3.29%p.a. 4.06%p.a.
Maximum LVR 80% 90%
Loan amounts (min/max) $200,000 - $2mil $200,000 - $2mil
100% offset available
(for just $10p/m)
Redraw facility
Additional repayments
Fees and charges View fees and charges View fees and charges
Fixed term options 1 year 2 years 3 years 4 years 5 years
Interest rate 3.93%p.a. 3.24%p.a. 3.24%p.a. 4.59%p.a. 4.69%p.a.
Comparison rate* 3.40%p.a. 3.29%p.a. 3.29%p.a. 3.74%p.a. 3.87%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

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

Rate options for investors

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.

Variable rates

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

Fixed rate options

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

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

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

Comparison rate movements

Rate tracker. No surprises here.

No bait and switch either…

As an online lender, we often get asked about our rates for existing customers and if we pass on rate changes. Well, in keeping with our mission of providing customers with the lowest rate we can, just take a look at our existing customer rate movements.

Well done indeed!

Rate tracker. No surprises here.

No bait and switch either…

As an online lender, we often get asked about our rates for existing customers and if we pass on rate changes. Well, in keeping with our mission of providing customers with the lowest rate we can, just take a look at our existing customer rate movements.

Well done indeed!

Comparison rate movements

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.

What is a comparison rate?
Interest rates

Interest rates current as at the following date: 29th July 2019 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.