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Getting what you need
just right.

Our home loans are designed to help you acheive just what you want.

What do you want to acheive?

Each of our home loans has different criteria that make sure you can fit into something (well, most people anyway).

As you can see, everyone's situation is unique and everyone's has different goals. That's why at Well, we start with your goals first, and then fit the loan, not the other way around.

Want to buy a house?

You're looking to buy a place. Great!

Save some money?

Refinance your home loan to save a few bucks on repayments.

Help pay off debts?

Consolidate your debts into one home loan.

#LendingGoals. We've all got 'em, we just don't think of them the same way.

How does a Well home loan help you acheive it?

Most other lenders have fairly rigid eligibility criteria and if you don’t fit the mold, then you don’t fit the loan. At Well, we’ve tailored home loans that can fit different situations that others can’t do.

Odd savings

Things like an inheritance or bonuses.

No credit scoring

Everyone is assessed on their situation.

Debt consolidation

Wrap your other high interest debts into one low rate loan.

Mortgage arrears

Over committed yourself and missed a payment, that's ok.

Bankruptcy issues

So long as you're discharged, we can help you get back on track.

Life events

Life happens and sometimes it gets onto your credit report. We get it.

Steps in the well process


Step 1 - Apply

You can apply via our online application interview. The whole interview can now be done from the comfort of your own home, in your own time.

Step 2 - Verify

A single trip to Australia Post to verify your identity (much like getting a passport) and upload your financial documents for us to review.

Step 3 - Approval

Now we're rolling! This is where we'll provide you with the decision on whether or not we can lend you the money that you've asked for.

Step 4 - Finalise

This is always the most exciting part of any loan. Getting your home loan settled and either moving into your new home, or relaxing with the savings off your old loan.

We make it easy to find a loan that suits you

With just a few simple products, we reduce the stress of having to search through thousands of home loans only to be presented with a few hundred to choose from. A Well home loan is designed with you in mind and caters for your situation.

Well Balanced

A good credit history and can provide evidence of their income.

Borrow up to 95% of the value of your property.

Well Easy

A home loan for those who don't quite meet the mainstream criteria.

Borrow up to 95% of the value of your property.

Well Restore

For those with recent credit impairment, this home loan is designed to help.

Borrow up to 95% of the value of your property.

How we assess your situation

Most other lenders have rigid eligibility criteria, and if you don't fit their mold then you don't qualify for a loan. At Well, we've tailored home loans that can fit different situations.

What you earn

We look at what you earn over a different period of time than a traditional lender. This can suit those that show irregular income over shorter time frames.

What you owe

Using rough percentages isn't the best way to work out exactly what you owe to other people. We get the right information to help you see the bigger picture.

What you spend

Looking at what you actually spend rather than just relying on benchmarks means we know more about your situation. Who even has 2.3 kids anyway?

What's your history

No Credit Scoring! We look at each record on your credit report to get a proper picture of you and your credit history. We don't like to put a score on people's lives.

Home loans shouldn’t be hard

No gimmicks, no hidden fees, no hidden rates. Just simple, easy home loans. The way it should be.

Open and honest

It's about time there's more transparency in the lending process. Why hide it, when we can hopefully help you learn more.

More free time

You can apply online in your own time and at your own pace. No waiting around for someone to visit or ring you.

All about you

We don't rely on benchmarks, averages or estimates. We ask about you and your life, to easily fit the right loan.

Better by design

Choose the features that you want in a home loan. We don't force you to take a bundle of features just to get a lower rate.

Chat 24/7 via Facebook Messenger

Meet Jewell.
Our chatbot with a name that's spelt a little different. Always on and never judging, you can talk about your financial situation, with no embarrassing meetings or phone calls. Just help. When you need it.

Give it a go, right here - just hit the "Send to Messenger" button.

Discover the right solution for you

We're not a stuffy old bank. We're a modern online home loan provider.