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.

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Well Home Loans

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".

Rates last updated January 21st, 2020
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Well Home Loans Balanced Variable - (Owner occupier, P&I)
$0 p.a.
A very low variable interest rate for borrowers with a 20% deposit. Add a 100% offset account for $10 a month.
Well Home Loans Balanced Variable - (Investor, P&I)
$0 p.a.
Competitive variable investor mortgage to fund your property portfolio. You can add a 100% offset account for just $10 a month.
Well Home Loans Balanced Fixed Home Loan - 5 Year (Investor, P&I)
$0 p.a.
Fix your rate for 5 years while you pay off your investment property. Add an offset account for just $10 a month.

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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 are principal and interest only.
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?

Home Loan Offers

Important Information*
Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

Logo for loans.com.au Smart Home Loan - (Owner Occupier, P&I)
loans.com.au Smart Home Loan - (Owner Occupier, P&I)

Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.

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