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Well Money Home Loan Rates

Online
Active products
56
Lowest variable
5.81%
Lowest fixed
6.82%
Lowest comparison
5.85%
Last updated
26 July 2026

Well Money is an online-only non-bank lender targeting refinancers and prime owner-occupier borrowers. Variable and fixed rates from a single streamlined product line, with no monthly fees and offset on selected products. Direct-to-consumer, with phone and online application support.

What is the lowest Well Money home loan rate?

The lowest Well Money variable home loan rate Ratesniffers tracks is 5.81% p.a., and the lowest fixed rate is 6.82% p.a. These figures come from the 51 Well Money products on this page, ranked by comparison rate, last verified 26 July 2026.

How many home loan products does Well Money offer?

Ratesniffers currently tracks 51 Well Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

Well Money home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I5.81% p.a.5.85% p.a.60%
Variable Owner-occupier P&I5.94% p.a.5.98% p.a.80%
Variable Owner-occupier P&I6.06% p.a.6.10% p.a.60%
Variable Owner-occupier P&I6.19% p.a.6.23% p.a.80%
Variable Owner-occupier P&I6.19% p.a.6.23% p.a.80%
Variable Owner-occupier P&I6.21% p.a.6.25% p.a.80%
Variable Owner-occupier P&I6.26% p.a.6.30% p.a.80%
Variable Owner-occupier P&I6.31% p.a.6.35% p.a.80%
Variable Owner-occupier P&I6.31% p.a.6.35% p.a.60%
Variable Owner-occupier P&I6.41% p.a.6.45% p.a.60%
Variable Owner-occupier P&I6.41% p.a.6.45% p.a.60%
Variable Owner-occupier P&I6.41% p.a.6.45% p.a.60%

51 Well Money home loan products

Well Money logoOnline
Well Ultimate
Owner-occupierVariableP&I
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Monthly repayment
$3,131
LVR ≤60%
More details
Well Money logoOnline
Next Step
Owner-occupier10y FixedInterest only
Interest
6.82%p.a.
Comparison*
—
Monthly repayment
$3,266
LVR ≤80%
More details
Well Money logoOnline
Launchpad
Owner-occupierVariableP&I
Interest
7.42%p.a.
Comparison*
7.46%p.a.
Monthly repayment
$3,469
LVR ≤95%
More details
Well Money logoOnline
Flex
Owner-occupierVariableInterest only
Interest
7.72%p.a.
Comparison*
7.99%p.a.
Monthly repayment
$3,572
LVR ≤80%
More details

Negotiate Well Money rates with a broker

Advertised rates aren't always the rate Well Money actually approves. Our broker negotiates against your specific scenario, no fee.

Talk to a broker

Who is Well Money?

Well Money is a Melbourne-based online non-bank lender, family-owned and operated, whose founders have been in Australian home lending for more than 40 years. It writes loans under its own brand with a lean digital model.

No branches and a small product menu keep its costs down, and its variable rates regularly appear among the sharpest in comparison tables.

Who suits a Well Money home loan?

Well Money tends to suit rate-focused borrowers with clean applications who are comfortable dealing online, and who like the idea of a family-owned lender over a listed giant. As a non-bank it offers no deposit accounts; check its live position in the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Well Money home loans: frequently asked questions

What is the lowest Well Money home loan rate?

Well Money's lowest variable home loan rate is currently 5.81% p.a., and its lowest fixed rate is 6.82% p.a., based on the 51 Well Money products Ratesniffers ranks by comparison rate, last verified 26 July 2026. The advertised rate isn't always the rate Well Money approves, a broker can often negotiate a sharper deal on your scenario.

How does Well Money's home loan rate compare to the market?

Well Money's lowest variable home loan rate today is 5.81% p.a., which is 28 basis points below the market median of 6.09% p.a., which puts Well Money among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Well Money sits right now rather than a fixed snapshot.

How many home loan products does Well Money offer?

Ratesniffers currently tracks 56 Well Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 51 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Well Money competitive for refinancing?

It depends on your loan size and LVR. Well Money's lowest comparison rate is currently 5.85% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Well Money against the sharpest available rate usually pays off.

How often are Well Money's home loan rates updated?

Ratesniffers last verified Well Money's home loan rates on 26 July 2026. Rates can change whenever Well Money reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.

Well Money rates by borrower and loan type

The same Well Money panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

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Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.