Great rate and helpful customer service
We dealt with Glenn for everything, this was a purchase of our home and we were between moving states and jobs. Glenn was very helpful in answering all of our many questions! We got a great rate and would highly recommend Glenn and the company!
Everything went very smoothly
The customer experience was really great. Steven got us started and then we continued with Glenn.
Glenn replied our messages really fast and the responses were to the point. I was a bit worried about the fact that it was going to be all online communications, but we also had the occasional phone call and the whole process was also quite fast, without any surprise fees. Loan rate is very good.
Happy to recommend the service!
If I were to point out something that could improve: they don't mention split loans as an option, but it's possible.
Made buying our first home easy
Mick from Well Home Loans went above and beyond our expectations from the very start of us applying for our conditional approval. Communication was straightforward and transparent and I often received a reply to my queries the same day. Mick was very professional and a pleasure to deal with. Once we had signed a contract, unconditional approval came in about 4 days which took a lot of stress out of quite a stressful time.
We would recommend Well Home Loans to anyone. They have one of the best rates on the market and find their online banking platform easy enough to use.
Thanks Mick for all of your help.
- Sarah and Jack
Great service and great interest rate from Well Home Loans
I applied and was approved for a variable home loan from Well Home Loans. The online loan application process was easy , quick and straight forward. I dealt with Glenn from start to finish. Glenn is responsive, trustworthy and a great communicator. I needed a quick conditional loan preapproval prior to auction and Glenn managed to process my loan application and provide conditional approval within 2 business days. Well Home Loans cannot be beaten - lowest variable interest rate in the market, full featured loan with redraw and 100% offset accou...nt for only $10 per month. Great service, interest rate and loan features. I have already recommended Well Home Loans to my friends and one has recently refinanced with Well Home Loans. Great work Glenn and Well Home Loans. Michael
Low rate & very pleased with my experience
I was initially drawn by the low interest rate and loan account facilities. As a first home buyer this was my first loan application process, which I found to be a pleasant experience. This was largely due to the quality of service provided by my loan officer, Glenn. Communication was courteous, prompt, attentive and transparent. Glenn was understanding of my situation as a first home buyer and provided clarity to my questions when it was needed. As a result, there was a sense of ease with regards to the financing aspect of purchasing my first ...home. There were no unexpected extra costs or issues in the loan application process. I am satisfied with the rate I received for this loan. I find that the yearly costs of the loan product suits my needs without unnecessary package expenditure on account fees, credit cards etc. As long as they are comfortable with the idea of an online lender, I would easily recommend Well Home Loans to my friends, colleagues and family. I hope my positive experience so far continues while servicing my loan.
Low rate, great service, efficient online application
Attracted by what was one of the lowest available rates at the time, staff were very helpful, online application was fairly efficient (I'm self employed running my own business, so there were understandable requests for a lot more information that would have been the case if I were a salaried employee).
Excellent Customer Service
We settled our first home with Well Home Loans last week and I cannot recommend them enough. Not only did we get a fantastic interest rate, but we also had unbelievable customer service. Glenn Cremin was responsive, friendly and organised and made the process so easy we almost didn't believe it was real. Thanks again Glenn, we are already recommending you to friends!
Fantastic service, great rates
I settled with Well Home Loans today thanks go my home loan officer, Glenn Cremin.
The loan itself is one of the lowest I've seen around and Glenn has been absolutely fantastic in the process of me getting the loan. He was prompt with his communication and helpful in guiding me through the whole process.
Thanks again guys!!
Fantastic Service A Quick and Easy Loan
I was a bit unsure about refinancing to Well Home Loans.
Having read the reviews here and knowing they were backed by Bendigo/Adelaide Bank I decided to give them a go.
Well from the outset the service was superb. I completed the initial online pre-approval and a day later received a phone call from Patrick which I missed. I called back because I had a couple questions and was greeted by name by Patrick, no need to wait on hold and talk to a million different people.
Next I was transferred to John the Senior Loan Officer another smooth proces...
Excellent Product, Cheap rate, even better people.
I had some issues getting credit because of a problem with a work related credit card.
Well Home Loans saw past this, and gave me a great loan.
I love my new house.
Definitely give them a try.
Excellent Rates & Service provided by WellHomeLoans (Michael Lazari)
The entire process is different to other lenders. Their tools and software does most of the work and not many questions were asked. I had started off with the paperwork with a rate and at the end got an even better rate and it was only because of Michael Lazari. He patiently answered all my dumb questions around the charges and even pushed me to chase the previous lender for claiming offset benefit losses.
Michael Lazari went above and beyond for ensuring customer satisfaction.
I will definitely recommend WellHomeLoans to anyone who requires a home loan.
I am already in discussion with him for the loan for an investment property as well.
Very helpful would highly recommend
Glenn was super helpful and we felt comfortable through the entire process. The online submission is very smooth and someone was always there to assist with any questions we had.
Excellent service and rate. Very happy
We recently purchased and I was working with a broker. They weren't able to beat the rate from Well home loans so I thought, why not, let's give them a go. The process was similar to with a broker but with less mucking around. In this day and age, you can get the best rate just by googling or using the comparison sites.
Working with Glenn was great, always attentive, responded to emails after hours and on weekends. couldn't ask for anything more.
Also happy that they do pass on the rate reduction to all their customers, not just the new ones.
First Time Home Buyer
As a first time home buyer I was nervous going into this process and flying relatively blind. But Well Home Loans and Glenn Cremin specifically made this process smooth and easy. I received a ridiculously low rate and their assistance and guidance during this process helped settle our nerves.
I highly recommend using Well Home Loans if you are looking for a home loan with the most competitive rate going around.
Available and Helpful
Thank you John, Patryk and Andrea for helping us to secure an affordable mortgage to buy our first home. The email and telephone service was timely, helpful and precise. The information you provided guided us to make decisions, prepare necessary documentations and meet our very short settlement deadline. We particularly appreciate John's informative, calm and polite communication skills.
Very Happy. Great Service, Great Product & Good Rate
Initially, I went through a different company but later withdrew my application after poor customer service. As first time buyer, trust, transparency and honesty are very important. Fortunately, I found them with all ‘Well Home Loans’. I can’t speak highly enough of John & Bret’s efforts, and their patience taking the time to explain process and reassuring me at every stage. One or two other companies offered slightly better rates, but I found ‘Well Homes’ overall product was much much better. I highly recommend this company. We are very grateful for all help to purchase our first home. Thanks
Glenn and the Well Home Loans team were nothing short of amazing. This was my first home loan and I had been told the application process is the most challenging part of purchasing a property. The reality was the complete opposite. The application process was the simplest part of my property journey.
The guidance and tutelage provide by Glenn was exceptional. No questions were too hard to answer and complex matters were broken down into understandable and relatable terms. I am truly grateful of both Glenn and Well Home Loans for assisting me on my journey.
I am overall really satisfied. Glenn was responding to all my questions quickly enough and all went without complications, how it was planned. Thanks Glenn!
I am really satisfied with the rates. Up-front cost were higher then expected but still acceptable.
Extremely different to a bank, you’re treated like a valued client - Amazing!!!
The services Well homeloans provide are very unique and personable. You have direct contact with a person managing your loans and you receive responses very quickly to your query. The contact process is very helpful for busy working life people & families. They actually send you thank you gifts and not advertise it. So, far the experience has been amazing and I’ve been recommending them to my friends and family for the low interests and the positive experience I’ve had. Well done, Well Homeloans *thumbs up*
Great Service, Great Rate
Glenn from Well home loans was taking a lot of my "first home pressure" off from me. Great - Thank you again, Glenn. They had the best rates and the best services. He answered all my questions in a timely manner and was very patient with me. I had a lot of question as I was buying a home for the first time. I really recommend well home loans in case you want to save money and get a good service. My settlement happened in less than 14 days ( in fact most of those days came from my side ). And guess what? I just got a .25 per cent RBA cut fully passed on which make the interest rate to 3.24 per cent.
Questions & Answers
I’m just wondering if you can pay more off the home loans as they are all fixed. Thanks, Rosemarie
Yes you can. Adelaide Bank allow $20K per year in extra payments over and above the monthly minimums if you want to do that.
Well Home Loans
Hi Rosemarie, as Dave has pointed out (thanks Dave!) you can make up to $20k in extra repayments per year on a fixed rate loan. One unique feature of our fixed loan is also the ability the add a 100% bank backed offset account too! Not many other lenders will let you do that but you can with a Well fixed rate home loan.
Ok thanks but do you pay a charge for paying extra?
I'm planning to buy a house and land package and I wonder if Well has home loans for this purpose.
Well Home Loans
Hi ayasalah89, unfortunately we don't have house and land package loans available.
Hello. My husband and I are first home buyers and looking to buy a house to live in. We have 93,000 deposit and loooking into a house around 610,000. Since we don't have 20%, how much interest rate can we have and also would like to know how much LMI are we to expect.. thanks
Well Home Loans
Hi there dane,
Nice work saving up for your deposit and it's always exciting looking for your first home! We have different rates for both Fixed rate loans and Variable rate loans and you can see those on our website (https://www.wellhomeloans.com.au/home-loans/buying-a-house/). We do have different rates based on your LVR (if you're not sure what this is - learn more here: https://bit.ly/2JGtML8) and that will determine what sort of rate you could be eligible for. When needing to get an LMI quote, this is something that's best done with the help of our home loan consultants as it's usually based on your loan amount - give them a call on 1300 899 724 or drop an email to email@example.com and they will be able to help.
Hi there, we are 2 brothers looking to purchase an investment property for around $550.00. We have the 20% deposit required. One of us is 30 year old, employed full time earning approx $52K pa as a mature age apprentice who's earning capacity will increase in October once apprenticeship is finalised, the other is 28 year old technical director on contract working on a movie production in New Zealand earning $150K pa. Unfortunately because one of us is on contract with no renewal date at this stage the banks will not consider that for a loan, and will only use the lesser income for the approval, which we have been given, but that would mean for the one earning the $150K, he will be unable to go on contract, meaning no tax offset. Is it worth while filling in all of the docs with you guys, or will it be the same deal? Many thanks for your help
Well Home Loans
Hi Gillian, thanks for reaching out. Unfortunately we’re in the same boat as other lenders here when it comes to assessing the income. Without a renewal on a contract, most lenders will consider the risk that the borrower could be left without a job and therefore at risk of not being able to pay the loan. While that might not happen, we always have to look at it from a worst case scenario with contracts. If you haven’t already, you might want to look at some specialist lenders out there. Often the rates can be higher as they are they are taking on more risk but they could have a policy that allows for this.
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.