Excellent service setting up refinance loan
I dealt with Brett and John to organise a refinance of my home loan (previous lender would not match Well's rates). The service was excellent, above expectations. They made the effort to progress my application while I was on holiday, and kept me updated throughout the process, and were quick to respond to any questions. I have been recommending Well Home Loans to others, which is imho, the highest form of praise. Please keep up the brilliant work!
Awesome rate combine with awesome service
We refinance both our owner occupied and investment loan with Well Home Loan due to great rate advertised. The well home loan team has been assisting us the whole process of the refinance and made it looks easy he always go above and beyond with the process (even answer a phone call after work hours for a couple of question).
Great Rate, Great Service, can't recommended them enough
Excellent service and rate
Very pleased to refinance investment loans with well home loans. Communication with Glenn and response time was excellent and pleased with service. Glenn was advising every step and involved process by email.
Excellent experience all round
We refinanced our home loan and investment loan with Well Home Loans and it was a completely smooth and stress free experience. Glenn and his team did an excellent job taking care of everything from start to finish.
Glenn kept us updated throughout the whole process and was completely professional and upfront about everything.
The end result is that we are now saving thousands of dollars each year.
A huge thanks to Glenn and the whole team at Well Home Loans
best home loans we have found to date
Generally I am quite hesitate to write reviews for a loan provider, particularly during the first few years of engagement ( which you may call it ' honeymoon' period). But I am happy to rate highly Well Home Loan though I did find the application form a bit time consuming to complete which is the only negative I can think of. I am so happy that I take the effort searching and find Well Home Loan, taking time to complete the online application ( be honest, I was at a point, thinking of giving up, but the client manager kept me engaged to the e...nd). This loan provider is quite different from others we have dealt with ( so far we have had 5 others). Each customer gets real time looked after by a designated client account manager. We can email, call our client manager ( John A.) direct to seek clarification and guidance whenever needed ( seriously whenever needed, including during oversea trips when we felt hesitate to log in and John responded and helped checking &update our fund movements). Their interest rates are one of the few best on the market, while their services do not comprise. With the recent RBA rate cuts, it's been a pleasant surprise to receive email updates from their CEO advising their would consulting their provider to see if we could benefit from the rate cut and then subsequent emails advising they would pass on the cuts. It seems that they are determined to be the customers' best choice, I am confident to say. Keep the good work !
My first time dealing with an online lender. John was great to deal with - more responsive than even my conveyancer and agent.
Thanks for your help and making things easier - and thanks for a great product.
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.
Now that's customer service
Just wanted to say a big thank you to Well Home Loans for assisting us with our refinancing requirements. We were professionally looked after by Glenn who kept us in the loop throughout the process. Highly recommend Well Home Loans. Keep up the good work.
Perfectly helpful and excellent mortgage rate.
Glenn was very helpful from the outset, and the Well Home Loans online portal is very easy to use. I got an excellent mortgage rate and the process was far easier than I expected, and certainly easier than other experiences I've had with other organisations.
Excellent Customer Service
Best rate of home loan at the time of purchasing my first investment property. John Ardilles is my loan manager and he's been nothing but exceptional in service. No questions were left unanswered and he has been keeping us updated every step of the process and has been very prompt in communication. A very nice surprise gift makes it even more personal. Hard to find a company with good customer service these days!
Customer service at it's best!
Wow. Where do I start? From the beginning to the end the service from John and his team at Well Home Loans was awesome. They were constantly in communication and I was always kept in the loop and well informed on the progress of my refinancing. Things were acted upon swiftly and professionally. Unfortunately I couldn't say the same for the finance company I previously held my home loan with. Those big players just don't care which is just as well because John and his team now deserve my custom. Now I have a low interest rate with great customer...service! Win, win! Should have moved earlier rather than paying over the odds in interest charges and receiving pitiful service. If you are in the process of refinancing I would thoroughly recommend Well Home Loans. Honestly you will not look back.
Well Home Loans
Well Home Loans has a great rate and loan features. In addition, their customer service is excellent - they were always available to answer my queries.
Most importantly Well Home Loans is transparent and clarified anything that wasn’t clear to me at every step throughout my refinance.
Thank you John and the rest of the crew at Well.
Excellent rates with excellent service
I applied for a loan for my first home through Well Home Loans on the basis that their rate was the most competitive at the time in the market and was very pleasantly surprised to find that in addition, their customer service is first rate. I was a premium banking client with one of the majors and while I loved that service level, I couldn’t justify the additional interest rate cost to stay with them. John’s service level has been every bit as good as premium banking and he’s been an absolute pleasure to deal with every step of the way through the stressful parts of buying a house and getting a loan in place. There have been no surprises or hidden fees and everything has gone smoothly at every stage. Very happy I found this lender!
Fantastic experience with Well Home Loans!
John and the Well Home Loans team have been fantastic through every stage of the home loan process. This was my first home loan, and the application with them was really smooth. The team was very supportive and always willing to answer my questions in great detail. They offer amazing rates and service. I highly recommend Well Home Loans!
Excellent Lending Rate and Exceptional Customer Service ......
I truly amaze with the response and the turn around time with this guys (special mention Glenn Cremin) .. really satisfied as a customer exceptional 3.49 rate with excellent customer service ... highly recommended
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.
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