Self-employed home loans. Super low rates.
Well Money stays by your side from start to finish, whether you're refinancing an existing home loan or buying a new home.
Our award winning, low rate home loans 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.
PS. We're self employed too!
Choosing the right solution for you
Meeting the unique needs of the self-employed
No upfront credit checks and pre-approvals available
Being self-employed comes with a distinctive set of financial challenges. Your income can fluctuate, and your tax returns can be complex, reflecting a financial picture that’s as unique as your business is. This can make securing a suitable home loan a frustrating experience, but it shouldn’t deter you!
With a Well Money self employed home loan, you’re speaking directly to the people making the decision on your home loan. You just don’t get that kind of service with the banks.
Owning your home is still within reach, even if you are self-employed. If you’re looking for finance, we’re here to help.
100% offset accounts
Convenient and simple way to start saving on your interest. Pop in your salary each month and use the Visa Debit card facility to access your funds.
Up to 90% LVRs
We've got options available to help you with even a smaller deposit. Not everyone has a 20% or 40% deposit, so we've made the right solutions available to you.
Free redraws
Once you’ve made enough additional repayment, you can get access to your funds to transfer out. Great for emergencies.
Additional repayments
Make additional repayments when you want to. Some limits do apply for fixed rate loans though.
Financing solutions for the self employed
Don’t be penalised with higher rates for backing yourself. Get lower rates from day 1 with our super-low rate, self-employed home loans.
No unfair loyalty systems or hidden fees. Just great features, at a great rate.
- Max 90% LVR available
- Flexible security properties
- Flexible income verification
- 100% Offset accounts
- Self Employed less than 1 year options available
FEATURED "Live IN" loan
Next Step 80
- Great for refinancing
- 100% Offset available
- 80% max LVR
- Loan amounts: $150K - $1m
6.21%
Interest rate p.a.
6.25%
Comparison rate p.a.
Complex "investor" loan
Flex Investor
- For complex situations
- 100% Offset available
- Flexible income options
- Loan amounts: $150K - $2m
7.57%
Interest rate p.a.
7.93%
Comparison rate p.a.
NOTE: LMI Premium is payable for all loans over 80% LVR. Max. LVR’s include Capitalising LMI Premiums into your loan.
Got a question?
Ask away.
At Well Money, we’re here to make borrowing simple, personal, and stress-free.
Fill in your details and one of our dedicated brokers will reach out to guide you every step of the way—whether you’re buying, refinancing, or exploring your options.
1300 555 444
We're committed to your privacy. WellMoney uses the information you provide to us to contact you about our relevant content, products, and services. You may unsubscribe from these communications at any time. For more information you can check our privacy policy.
Experience the power of Knowledge.
Embark on your financial journey with WellHub, the Well Money Learning Centre. Discover expert tips, facts, and clever home loan strategies. Don't miss out - dive into financial wisdom today!
Featured guide
The complete home loan roadmap, start to keys.
Everything from your first savings goal to settlement day — in plain English, at your own pace.
Latest from Money Talks
Your situation is unique. Advice tailored to your goals.
read more
Must read home loan guides
Your situation is unique. Advice tailored to your goals.
read more
All about Investing
Your situation is unique. Advice tailored to your goals.
read more
Calculators and Tools
Your situation is unique. Advice tailored to your goals.
read more