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Homely has partnered with award winning mortgage provider, Well Money to help you with your finances. With some of the lowest rates in Australia, Well can help you make the right moves to get you into your dream home.

Looking for super low rates? Check.

Features designed to help pay off your mortgage sooner? Check.

The kind of support you'd expect from a family run company? Check.

Join the family today and experience the Well Home Loans difference.

Owner Occupied rates start as low as:



Variable Interest rate*



Comparison rate*

No upfront credit checks, so it doesn't hurt to have a look.  Find out how much you could borrow with your deposit of $124000

How does it work?

Meet WellCheck. It's our personalised borrowing scenario tool that takes 2 minutes to complete so you can get comfortable with some indicative numbers about your own situation. Check rates, see your borrowing power and calculate repayments all from the one place. It's free and we don't run a credit check at this point either - so you might as well go for it!


Start your WellCheck

Simply start your property journey with a WellCheck. It's fast, simple and you'll get numbers you need to start shopping for your dream home. Best of all, we don't do an upfront credit check, so knowing your numbers with Well won't leave any marks!


Get a Pre-Approval

Once you've gotten familiar with your WellCheck, you can revisit your results at any time to get a bit more serious.  If you've found a place and want to make an offer, it's time to get a Pre-Approval sorted out.  We take your WellCheck and pre-fill you application to save you even more time!


Settle into your dream home

After you've had your offer accepted (or won at an auction!) then it's time to get final approval and settle your home loan.  Like everything with Well, it's fast and simple.  Just sign your documents and let us take care of the rest.

No upfront credit checks, so it doesn't hurt to have a look.

Feature packed. Super low rate.


100% Bank-backed Offset available ($10 p/mth)

Offset accounts on FIXED RATE home loans

Free online redraw

Included with our super low rates are features that you'd expect from a much higher priced product.

100% Bank-backed offset option is available so you know your money is safe with a real ADI. Yes, even on our fixed rate home loans - let's see other banks do that!

No gimmicks, no pro-packs stuffed with features you don’t want but need to take, no unfair loyalty systems. Just great features, at a great rate.

Australian based home loan experts

Try before you buy - no upfront credit reports

Split loans with multiple offsets

Why choose Well?

Welcome to Well Money, a home loan provider built from the ground up with Australian home owners in mind. 100% family owned and operated, we pride ourselves on good old fashioned customer service.

As an online, non-bank lender Well can do things a little different from others. We don’t have large overheads like some of the big branch lenders and we don’t limit ourselves to just a single product like other online lenders.

See what others are saying about us


Important information

What am I being conditionally approved for?

Homely has partnered with Well Money to provide access to award winning home loans. When you buy a house and require finance or look to refinance an existing home, the Well Money team of experts are able to help.  A WellCheck is an indication of your scenario to provide quick access to your borrowing power.  A conditional approval provided by Well is based on the Well Money credit criteria and can only be provided once you apply.  The team of Well experts will guide you through loans, options and features after a WellCheck so you can be conditionally approved and have finance ready for your property needs.

Who can apply for a Well Money home loan?

By getting starting with a WellCheck you can find out what sort of loan and how much you can borrow in just a few minutes. You can apply entirely online and at any time, you can speak to an expert. In general, the eligibility for a Well Money home loan includes:

  • You are over 18 and you're an Australian/NZ citizen or permanent resident living in Australia
  • You have a deposit of some kind (see below for deposit information)
  • At least one borrower has a job. There are options for PAYG, Self Employed and Casual too.
  • Good credit history. Overall, you must have decent credit. A few blemishes can be ok and if you're not sure, just call us. NOTE: A WellCheck and Pre-Approval with Well assumes that you have no credit issues. A credit report is not run for a WellCheck.
  • The property that you are looking for may affect how much you can borrow and we have some LVR restictions on apartments and other property types outside of metro regions. We will be able to advise you on the type of property with your pre-approval. (view list of non standard property types that may be restricted)

What sort of conditions are on my approval?

With any conditional approval there are some conditions (hence the name!). We will outline the conditions of your approval on your official paperwork so that you will know at all times. Typically, conditions would include:

  • Subject to a credit check. We assume you have good credit. If we find out you don't, then the approval might not progress to a full approval and you might be without finance.
  • You don't go spending your deposit on anything other than a deposit.
  • The location and property type needs to be in line with the details provided. Don't go buying something that we can't lend on!
  • Don't be spending far in excess of what a property is worth. Do your homework. For example, don't pay $600,000 for a property that would only be worth $300,000. You can get property reports these days.
  • Keep in mind that we will still need to do a full assessment. This will include valuing the property for mortgage purposes, potentially getting LMI, checking your credit and maybe asking more information of you.

If there's ever any doubt, it's always best to ask us first. We want you in that home as much as you do!

About this partnership between Well and Homely

Well Money is the trading name of Flexstar Mortgage Corporation Pty Ltd ACN 154 777 152 and holds an Australian Credit Licence number 430334. Homely Pty Ltd (trading as Homely) and Well Home Loans have enterred into a strategic partnership to help make home buying simpler and more affordable. This partnership provides for Homely.com.au to bring the Well Money calculations and tools into the Homely.com.au website experience to create better experience for users searching for property.

Homely Pty Ltd may be compensated for referring customers to Well Money for finance and any commissions on your loan will be disclosed by Well Money prior to entering into a credit contract.

Additional disclaimers and conditions

Comparison rate warning

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. Different terms will result in a different comparison rate and the comparison show on this page relates to the current lowest owner occupied home loan rate with an LVR less than 60%. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.

Interest rates. (Current as at the following date: November 24th, 2023)

All information and interest rates referred to on this site are current as at the date above and are subject to change without notice. The interest rates shown apply to new loans only. 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.

Fees and charges

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 provided to you for your home loan.  Fees and charges are shown on the website www.wellmoney.com.au and may be subject to change at any time.  Only those fees specified in your loan contract are applicable.

Referral commissions

Homely Pty Ltd may receive benefits and commission where a loan is drawn down. The commision amount paid will range from 0.10% to a maximum of 0.20% of the amount drawn down.  Commissions to Homely Pty Ltd is paid as an up-front payment and GST will also be paid in addition. It is important to note that this payment is not paid by you, the customer, and is a payment from Well Money to Homely Pty Ltd.

Lenders Mortgage Insurance (LMI) may be payable

For loans with an LVR between 80% and 90%, LMI will be required. This premium is to be paid by the borrower and may be payable from loan proceeds.

Credit approval and eligibility

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.

Repayment Savings calculations

Repayment savings calculations are based on a 30 year home loan. Calculations for comparison between our home loans and other loans are based on the average interest rate across the market as published by mozo.com.au in their home loan statistics (located: https://mozo.com.au/home-loan-statistics). The Average Variable home loan rate for owner-occupiers with a lvr less than 80% was 3.18%p.a. at the time of publishing (August 2021) and is the basis for the estimated repayments for "other lender" in our comparison. Well Money interest rates used are provided at the top of this page and are valid from the date provided in Interest rates disclaimer above.

Marketing and communications

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Flexstar Mortgage Corporation Pty Ltd trading as Well Money

ABN: 30 154 777 152 | Australian Credit Licence 430334