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Well Money · Variable · Updated September 2026

Well Money Variable Home Loans, September 2026

Well Money lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.06% p.a. (comparison rate 6.10% p.a.), on Well Ultimate - Owner Occupied 60% LVR. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Well Money variable home loan rates, September 2026

Well Money logo
Well MoneyWell Ultimate - Owner Occupied 60% LVR
VariableOnlineOffsetRedraw
Interest
6.06%p.a.
Comparison*
6.10%p.a.
Est. repayment
$3,017
LVR ≤60%
Well Money logo
Well MoneyOwner Occupied Up to 60% P&I
VariableOnline
Interest
6.06%p.a.
Comparison*
6.10%p.a.
Est. repayment
$3,017
LVR ≤60%
Well Money logo
Well MoneyWell Ultimate - Owner Occupied 80% LVR
VariableOnlineOffsetRedraw
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,059
LVR ≤80%
Well Money logo
Well MoneyWell Ultimate - Owner Occupied (Up to 80%)
VariableOnline
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,059
LVR ≤80%
Well Money logo
Well MoneyNext Step - Investment 80% LVR
VariableOnlineOffsetRedraw
Interest
6.26%p.a.
Comparison*
6.30%p.a.
Est. repayment
$3,082
LVR ≤80%
Well Money logo
Well MoneyNext Step - Owner Occupied 80% LVR
VariableOnlineOffsetRedraw
Interest
6.31%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,098
LVR ≤80%
Well Money logo
Well MoneyWell Ultimate - Investment 60% LVR
VariableOnlineOffsetRedraw
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Well Money logo
Well MoneyWell Ultimate
VariableOnline
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Well Money logo
Well MoneyWell Ultimate - Investment (Up to 60%)
VariableOnline
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Well Money logo
Well MoneyUltimate Home Loan (Investment up to 60% LVR)
VariableOnlineOffsetRedraw
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Well Money logo
Well MoneyInvestment Up to 60% P&I
VariableOnline
Interest
6.41%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,131
LVR ≤60%
Well Money logo
Well MoneyNext Step - Investment 80% LVR IO 1-5 yr
VariableOnlineOffsetRedraw
Interest
6.51%p.a.
Comparison*
Not available
Est. repayment
$3,164
LVR ≤80%
Well Money logo
Well MoneyLaunchpad - Owner Occupied 80% LVR
VariableOnlineOffsetRedraw
Interest
6.71%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,230
LVR ≤80%
Well Money logo
Well MoneyLaunchpad Home Loan (Owner Occupied up to 80% LVR)
VariableOnlineOffsetRedraw
Interest
6.71%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,230
LVR ≤80%
Well Money logo
Well MoneyOwner Occupied Launchpad Up to 80% P&I
VariableOnline
Interest
6.71%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,230
LVR ≤80%
Well Money logo
Well MoneyNext Step - Investment (Up to 80%) - Interest Only (6-10 years)
VariableOnline
Interest
6.82%p.a.
Comparison*
Not available
Est. repayment
$3,266
LVR ≤80%
Well Money logo
Well MoneyNext Step - Investment 80% LVR IO 6-10 yr
VariableOnlineOffsetRedraw
Interest
6.82%p.a.
Comparison*
Not available
Est. repayment
$3,266
LVR ≤80%
Well Money logo
Well MoneyNext Step - Owner Occupied 90% LVR
VariableOnlineOffsetRedraw
Interest
6.91%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,296
LVR ≤90%
Well Money logo
Well MoneyOwner Occupied Up to 90% P&I
VariableOnline
Interest
6.91%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,296
LVR ≤90%
Well Money logo
Well MoneyNext Step - Investment 90% LVR
VariableOnlineOffsetRedraw
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Well Money logo
Well MoneyNext Step - Investment (Up to 90%)
VariableOnline
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Well Money logo
Well MoneyNext Step Home Loan (Investment up to 90% LVR)
VariableOnlineOffsetRedraw
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Well Money logo
Well MoneyInvestment Up to 90% P&I
VariableOnline
Interest
7.06%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,347
LVR ≤90%
Well Money logo
Well MoneyNext Step - Owner Occupied 95% LVR
VariableOnlineOffsetRedraw
Interest
7.07%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,350
LVR ≤95%
*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 · Variable

Well Money variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.

See also Well Money's full product range, repayment calculator, and refinance savings calculator.

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