Well Home Loans comparison and reviews | Finder

Well Home Loans

This 100% family-owned lender offers a small selection of competitive mortgages entirely online, with options for home buyers, investors and low deposit borrowers.

Well Home Loans

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On this page you can find information about Well Home Loans. Skip ahead to the full table of products or read more about the lender.

Compare mortgage offers from Well Home Loans

Compare Well Home Loan products below and hit "load more" to see the full selection of loans. "Go to site" will direct you to Well Home Loan’s website for the product you selected. You can also find more information on each individual product by clicking "more info".

Data updated regularly
Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Well Home Loans Balanced Fixed Home Loan
$0 p.a.
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.
Well Home Loans Balanced Fixed Home Loan
$0 p.a.
A competitive 3 year investor rate with principal and interest repayments. Optional offset account with a $10 monthly fee. Not available for construction purposes.
Well Home Loans Balanced Variable
$0 p.a.
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee.

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Well Home Loans lender profile

  • Well Home Loan is a completely family-owned, non-bank Australian lender. It has been in the mortgage business for 40 years and its service is completely online and independent. The company is based in Melbourne.
  • Well Home Loans says that it aims to keep the home loan experience simple and easy to understand. As an entirely online company lending directly to borrowers it promises to pass on savings from lower operating costs by offering competitive rates.

Well Home Loans mortgage features

This lender has a small set of products but they still come with many useful features.

Deposit sizeYou can borrow up to 95% on some Well Home Loans Balanced Variable.
Offset accountMost mortgages allow borrowers to add a 100% offset account for a $10 monthly fee.
Split rateYou are able to split your loan into fixed and variable portions.
Interest onlyWell Home Loans mortgages have principal and interest repayments.
RedrawMortgages come with a redraw facility.
100% onlineThe lender doesn't have physical branches.

How do I apply for a Well Home Loans mortgage?

Clicking "Go to Site" on the comparison table will start your application process and redirect you through to the Well Home Loans website. You can learn more about a specific mortgage by clicking through to that product's review page.


Each Well Home Loans product will have its own unique qualifying criteria, however, there are some basics that will apply to all, which include the following.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.


During the application process for any home loans product from Well Home Loans you will also be asked to provide certain information so it can be handy to have them ready before you apply. You will need to provide the following documents:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on Finder

  • Well Home Loans Balanced Variable

    If you're looking for a low rate mortgage with options for investors and home buyers, check out the Well Home Loans Balanced Variable home loan.

  • Well Home Loans Balanced Fixed

    The Well Home Loans Balance Fixed is a competitive fixed rate mortgage with options for investors and home buyers.

Home Loan Offers

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