Well Home Loans

Let's get started

We're here to help the whole way.  Just fill out our enquiry form and we'll be in touch to chat through your home loan requirements!

Our "live in" variable rate:

Well stays by your side from start to finish, whether you’re refinancing an existing mortgage or buying a home. Our award winning mortgages have the kind of features you’d expect from a bank, with the super low rates from an online lender and the personal support you’d expect from a family run company.

Great low rate

No valuation fee

Offset available ($10 p/mth)

Internet banking

Free online redraw

Max. LVR of 80%

Our amazing product features:



Comparison rate*



Interest rate*

Well Home Loans Well Balanced Best New Home Loan 2019

**Rate shown applies to the Principal and Interest repayment option.  Interest only options are available upon request.

Minimum loan amount of $200,000 applies.

Other fees and charges may apply that are unascertainable and depend on your loan structure.

The "best new home loan" has a great low rate

It's the question that everyone wants to know!

We started Well Home Loans with a mission of keeping our rates as low as possible while ensuring that the service we provide to our customers is second to none.

Best of all, our team of Melbourne based lending experts are more than happy to chat with you about home loans!

No valuation fee

Extra repayments allowed

Internet Banking

Debit EFTPOS card

Max. LVR 80%

BPay options

What makes this home loan so great?

Great low rate

Offset available ($10 p/mth)

Still fully featured!

Key features to know

It's as personal as online gets

Online, yet customer focused

We can talk about how we like to focus on customer service. You don't need to take our word for it though.

What do you get in this special?

Application fee:


Valuation fee:

up to $300 free^

Settlement fee:

$0 (normally $250)

Solicitor's doc fee*:

from $380

Discharge fee:


Well Home Loans fees:

Third party fees:

***NOTE: Minimum loan amount of $200,000 applies.

Why get a Well home loan?

A great interest rate that makes ours lower than the major banks indicator rates.

Low rates

We've tailored our home loan products to help with situations that people find themselves in. A Well Home Loan isn't just about getting your loan approved by a computer. You'll also get a dedicated loan officer to guide you through the process.

Our online interview takes you through the process, simply and easily.

Quick and easy

All our home loan experts are located in Melbourne, ready to chat with you if you need a helping hand.

Speak to an Aussie

You can even get an offset account hooked up for only $10 per month and get a fancy eftpos card.

Fully featured

*Additional information, conditions of offer and disclaimers

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.

Comparison rate warning

All information and interest rates referred to on this site are current as at the date above and are subject to change. The interest rates shown apply to new loans only and may change at any time. Fees and charges apply.  Please note that existing borrowers may have different rates depending on the offer at the time of settlement and may be based on any increases or reductions in rates from the lender.  Existing customers can check their rates by logging into their internet banking or by getting in touch with our customer service team.

Interest rates. (Current as at the following date: November 1st, 2019)

Fees and charges apply to all loan products.  Loan setup fees are payable at settlement. All fees and charges will be outlined in the loan contract.

Any fees that are payable to third parties, such as Solicitor Documentation Fees are incurred by service providers external from your Lender, are variable in nature depending on the services provided and are passed directly to the applicants.  These costs are usually noted as "not ascertainable" and quotes provided with "from" are a reasonable estimate of what we know the costs can start from.  This amount does NOT include all costs that may be incurred by these third parties.

Other fees may apply, including a Loan Processing Fee charge by Lender and depends on the structure of your loan. While usually "not ascertainable", the fee is from $150 which is a reasonable estimate of the fee and will be advised to you in your loan contracts.

^ Valuation fee - Up to $300 free (Well Home Loans will pay up to $300 per property, any excess valuation fees are payable by the borrower(s))

Fees and charges

All applications for credit are subject to our credit approval criteria. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether the information on this site is appropriate for you. Before making any decision in relation to any of our products you should read the relevant terms and conditions available at the Terms and Conditions page and at our Eligibility page when you apply online.

Credit approval and eligibility

For loans with an LVR between 80% and 90%, LMI will be required.  This premium is to be paid by the borrower and is not included in any fee waiver.

Lenders Mortgage Insurance (LMI) may be payable

Flexstar Mortgage Corporation Pty Ltd trading as Well Home Loans

ABN: 30 154 777 152 | Australian Credit Licence 430334

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