Interest
6.06%p.a.
Comparison*
6.10%p.a.
Est. repayment
$3,017
LVR ≤60%
Well Money Home Loan Rates
Online
Tracked products
68
Lowest variable
6.06%
Lowest fixed (interest-only)
6.82%
Lowest comparison
6.10%
Last updated
30 Aug 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 are Well Money home loan rates?
Well Money home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.06% p.a. and the lowest fixed rate currently 6.82% p.a., last verified 30 Aug 2026. Compare Well Money against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Well Money home loan rate?
The lowest Well Money variable home loan rate Ratesniffers tracks is 6.06% p.a., and the lowest fixed rate is 6.82% p.a. These figures come from the 46 Well Money products on this page that pass data-quality checks, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does Well Money offer?
Ratesniffers currently tracks 68 Well Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 46 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 products sit at the top.
Well Money home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.06% p.a. | 6.10% p.a. | 60% |
| Variable Owner-occupier P&I | 6.06% p.a. | 6.10% p.a. | 60% |
| Variable Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 80% |
| Variable Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 80% |
| Variable Owner-occupier P&I | 6.26% p.a. | 6.30% p.a. | 80% |
| Variable Owner-occupier P&I | 6.31% p.a. | 6.35% p.a. | 80% |
| Variable Owner-occupier P&I | 6.41% p.a. | 6.45% p.a. | 60% |
| Variable Owner-occupier P&I | 6.41% p.a. | 6.45% p.a. | 60% |
| Variable Owner-occupier P&I | 6.41% p.a. | 6.45% p.a. | 60% |
| Variable Owner-occupier P&I | 6.41% p.a. | 6.45% p.a. | 60% |
| Variable Owner-occupier P&I | 6.41% p.a. | 6.45% p.a. | 60% |
| Variable Owner-occupier interest-only | 6.51% p.a. | n/a | 80% |
46 of 68 tracked Well Money home loan products
Interest
6.06%p.a.
Comparison*
6.10%p.a.
Est. repayment
$3,017
LVR ≤60%
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,059
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,059
LVR ≤80%
Interest
6.26%p.a.
Comparison*
6.30%p.a.
Est. repayment
$3,082
LVR ≤80%
Interest
6.31%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,098
LVR ≤80%
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Interest
6.51%p.a.
Comparison*
Not available
Est. repayment
$3,164
LVR ≤80%
Interest
6.71%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,230
LVR ≤80%
Interest
6.71%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,230
LVR ≤80%
Interest
6.71%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,230
LVR ≤80%
Interest
6.82%p.a.
Comparison*
Not available
Est. repayment
$3,266
LVR ≤80%
Interest
6.82%p.a.
Comparison*
Not available
Est. repayment
$3,266
LVR ≤80%
Interest
6.82%p.a.
Comparison*
Not available
Est. repayment
$3,266
LVR ≤80%
Interest
6.91%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,296
LVR ≤90%
Interest
6.91%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,296
LVR ≤90%
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Interest
7.07%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,350
LVR ≤95%
Interest
7.07%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,350
LVR ≤95%
Interest
7.07%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,350
LVR ≤95%
Interest
7.31%p.a.
Comparison*
7.35%p.a.
Est. repayment
$3,431
LVR ≤90%
Interest
7.31%p.a.
Comparison*
7.35%p.a.
Est. repayment
$3,431
LVR ≤90%
Interest
7.37%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,452
LVR ≤80%
Interest
7.37%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,452
LVR ≤80%
Interest
7.37%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,452
LVR ≤80%
Interest
7.42%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,469
LVR ≤95%
Interest
7.42%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,469
LVR ≤95%
Interest
7.42%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,469
LVR ≤95%
Interest
7.42%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,469
LVR ≤95%
Interest
7.37%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,452
LVR ≤80%
Interest
7.37%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,452
LVR ≤80%
Interest
7.37%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,452
LVR ≤80%
Interest
7.62%p.a.
Comparison*
7.85%p.a.
Est. repayment
$3,537
LVR ≤80%
Interest
7.62%p.a.
Comparison*
7.85%p.a.
Est. repayment
$3,537
LVR ≤80%
Interest
7.72%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,572
LVR ≤80%
Interest
7.72%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,572
LVR ≤80%
Interest
7.72%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,572
LVR ≤80%
Interest
7.72%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,572
LVR ≤80%
Interest
7.72%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,572
LVR ≤80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Well Money home loan repayment calculator
Pre-filled with Well Money's lowest advertised variable rate in the table above, 6.06% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Well Money's lowest variable today: 6.06%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,017
Fortnightly repayment
$1,392
Total interest
$586,144
30 years at 6.06% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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 4 September 2026. Rates above refresh independently.
Well Money home loans: frequently asked questions
What are Well Money home loan rates?
Well Money home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.06% p.a., and the lowest fixed rate is 6.82% p.a., last verified 30 Aug 2026. Compare Well Money against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Well Money balance, use /calculators/extra-repayment.
What is the lowest Well Money home loan rate?
Well Money's lowest variable home loan rate is currently 6.06% p.a., and its lowest fixed rate is 6.82% p.a., based on the 46 Well Money products Ratesniffers ranks by comparison rate, last verified 30 Aug 2026. The advertised rate isn't always the rate Well Money approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Well Money home loan?
At Well Money's lowest variable rate of 6.06% p.a., a $600,000 principal and interest loan over 30 years repays about $3,620 a month, and $500,000 about $3,017. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Well Money home loan?
There is no single salary. Like every Australian lender, Well Money must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.06% p.a. is assessed at about 9.06% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Well Money's home loan rate compare to the market?
Well Money's lowest variable home loan rate today is 6.06% p.a., which is 18 basis points below the market median of 6.24% 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 68 Well Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 46 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 6.10% 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 30 Aug 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.