Well Home Loans Equity Plus

The Equity Plus loan from Well Home Loans has a low rate and a 100% offset account, but you need a 40% deposit.

Looking for a low variable rate loan with a 100% offset account? If you have a big enough deposit, the Equity Plus loan could be for you.

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Review by


Richard Whitten is a senior writer at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

This is a great loan for refinancers because the interest rate is low, there's an offset account and you need to have either a large deposit or a big chunk of your mortgage already paid off. If you don't have a 40% deposit saved, you'd better look elsewhere.

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About this loan

What are the features and benefits of the Well Home Loans fixed rate home loan?

  • Deposit size. With this loan you can only borrow up to 60% of your property's value.
  • Loan amount. The Equity Plus Home Loan lets you borrow up to $2,000,000, with a minimum loan size of $200,000. This should cover most Australian buyers.
  • Offset account. The addition of a 100% offset account lets you save money while minimising your interest charges.

How to apply

To start an application or get more information, hit the green button and follow the steps to speak to a mortgage specialist from Well Home Loans.

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