Life happens.

Take a look at the rates and features.

We get it.  Life happens.

Our Restore product can help if you find yourself in a situation of credit impairment.  A home loan to help when you feel like no one else cares.

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

Does this sound like your situation?

Our Restore product can help if you find yourself with bad credit issues:

  • Past defaults (both paid and unpaid)

  • Unlimited defaults, judgements and writs registered more than 12 months ago can be considered

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

  • Late payments on credit/mortgages

  • Part IX or X debt agreements

  • Discharged bankrupts

Could you use some help?

The Well Home Loans Restore product is designed to help those that find themselves in a situation with a impaired credit report, more commonly known as Bad Credit.

  • Life events – We’ve got the help you need if an event has caused you to get a credit default or two on your file.

  • Mortgage arrears – You might have just gotten yourself over committed financially and are now stuck in arrears on your existing mortgage.

  • Refused credit from another lender? – If you’ve built up some equity in your house and have a tax debt coming up, the Restore product can provide cash out for just this purpose (amongst others too!)

Current rates and fees for the Well Restore

The Well Restore home loan is designed to help customers when they need it most.  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 RestoreLow LVR Well RestoreHigher LVR
Interest rate 5.67%p.a. 8.19%p.a.
Comparison rate* 5.98%p.a. 8.51%p.a.
Maximum LVR 55% 95%
100% interest offset sub-account
Redraw facility
Additional repayments
Fees and charges View fees and charges View fees and charges

Feature packed. Great rates.

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

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!


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