When you don’t quite fit mainstream lending

Take a look at the rates and features.

Finally a product that makes it easy.  If you haven’t had credit problems for the last 2 years, then the Well Easy product could be a good fit for you.

rates starting from:


interest rate p.a.


comparison rate p.a.

  • Great low rate

  • 100% Offset available

  • Options available to 90% LVR

  • Extra repayments allowed

What features make this so easy?

Our Easy product can help if you’re having troubles with other lenders:

  • Unlimited defaults under $1,000 accepted (paid or unpaid)

  • Unlimited defaults, judgements and writs registered more than 24 months ago can be considered

  • Unlimited number of debts can be consolidated – assuming you’ll be better off of course

  • Redraw facility and Visa debit card access

  • Purchase or refinance purposes allowed

  • Cash out available for some acceptable purposes like renovations or paying ATO debts

Is this you?

The Well Easy product is ideal for those that have had a few credit blemishes in the past. If you’ve been knocked back because of credit related reasons, then this could fit just right. Some of the scenarios that fit nicely include:

  • Too many debts – You might find that you’ve got way too many debts and it’s best to get them all consolidated into one simple payment. Unlimited number of debts can be consolidated.

  • A few small defaults – Sometimes a few of those credit nasties find their way onto your credit report. That’s OK, the Easy product can accept defaults less than $1,000 being listed there.

  • Tax debts owing? – If you’ve built up some equity in your house and have a tax debt coming up, the Easy product can provide cash out for just this purpose (amongst others too!)

  • Self Employed – Alt Doc loans available where an ABN registered for 24 months, GST registered for 12 months with just 6 months business bank statements or 6 months BAS along with declarations.

Current rates and fees for the Well Easy

The Well Easy home loan is designed to help where other lenders can’t.  It comes with great features that you can choose if you need it, to help with your unique situation.

Getting you the help you need is what this product is designed for.

Well EasyLow LVR Well EasyHigher LVR
Interest rate 5.37%p.a. 6.78%p.a.
Comparison rate* 5.69%p.a. 7.04%p.a.
Maximum LVR 80% 90%
100% interest offset sub-account
Redraw facility
Additional repayments
Fees and charges View fees and charges View fees and charges

Feature packed. Great rates.

The next stage of your journey

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. No obligations, no credit checks and most of all, answers tailored to you.

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!


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: 1st July 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 settlemed of your loan.  Additional information is provided with your loan contracts for consideration.