Products
What we offer
Our Products
Ultra
Discover our Ultra Product, the ultimate choice for borrowers seeking top-tier mortgage solutions.
Loan Features:
- No Ongoing Annual Fee: Enjoy the benefit of no ongoing annual fees, helping you save more.
Fast and Accessible - Internet Banking: Manage your mortgage easily with our efficient online banking system.
Prime
Explore our Prime Product, designed for prime customers seeking premium mortgage solutions.
Loan Features:
- Loan Term: Offers terms of up to 40 years.
- No Ongoing Annual Fee: Enjoy the benefit of no ongoing annual fees, helping you save more.
Flex
Discover the unparalleled flexibility of our Flex Product, offering a comprehensive suite of mortgage solutions tailored to meet a wide range of borrower needs.
Loan Features:
- Offers terms of up to 40 years.
- Enjoy the benefit of no ongoing annual fees, helping you save more.
Lo Doc
Explore our mortgage loan options with an optional offset facility, fast internet banking, and a flexible repayment schedule.
Loan Features:
- Reduce the interest on your mortgage with our optional offset account.
- Manage your mortgage effortlessly with our efficient online banking system.
SMSF
Explore our mortgage products featuring an offset account, flexible PI or IO loan options, and unlimited additional repayments on variable loans.
Product Features:
- Benefit from an offset account to reduce the interest on your mortgage.
- Choose between PI or IO repayment plans to suit your financial strategy.
Non-Resident
Discover our mortgage products with unlimited additional repayments, a flexible repayment schedule, and a fast internet
banking system.
Product Features:
- Make unlimited extra repayments to pay off your mortgage faster without any penalties.
- Choose from weekly, fortnightly, or monthly repayments to suit your financial needs.
Expat Citizen
Explore our mortgage options for expat citizens with a flexible payment schedule, Visa debit card with a 100% offset account, and a 40-year loan term.
Product Features:
- Choose a payment plan that suits your financial needs.
- Access funds easily while reducing your loan interest.
Non-Conforming
Explore our non-conforming loans for credit-impaired individuals with no risk fees. Enjoy flexible payment schedules, unlimited additional repayments, and convenient internet banking.
Loan Features:
- Manage your loan easily with our user-friendly online banking system.
- Choose from weekly, fortnightly, or monthly repayments to suit your financial needs.
- Make unlimited extra repayments to pay off your loan faster without any penalties.
Reduced Buffering
Discover our streamline refinance options to lower your interest rate.
Loan Features:
- Reduce interest with a 100% offset account.
- Convenient access to your funds with a Visa debit card.
- Up to 10 offset accounts per loan.
Bridging Loans
Discover our Bridging Loan options that allow you to buy a new home before selling your current one.
Loan Features:
- Facilitates the purchase of a new home before the sale of your current property.
- Interest is capitalized until the sale of your existing home, with a standard maximum period of 6 months. Extended bridging periods of 9 or 12 months are available upon discussion with a Business Development Manager (BDM).
- Assessed based on the remaining debt after selling the current property.
Family Pledge Loans
Explore our flexible mortgage loan options with free redraws, a Visa debit card with offset, and high LVR lending up to 110%.
Loan Features:
- Enjoy the flexibility of accessing extra repayments anytime without additional fees.
- Each borrower receives a Visa debit card linked to an offset account, helping you manage your finances efficiently.
- Choose a repayment schedule that suits your financial situation.
Commercial
Discover our commercial loans with features like no clawback, offset facility, free redraws, unlimited additional repayments, internet banking, and flexible repayment schedules.
Features:
- Save on interest with our offset facility.
- Access additional repayments without any fees.
- Make extra repayments at any time to pay off your loan faster.
Self Employed
At Well Nigh, we understand the unique hurdles self-employed individuals face, such as conservative lender assessments and the impact of declared taxable income.
Why Self-Employed Borrowers Face Challenges:
- Lenders often perceive self-employed income as lower due to business expense deductions, which can affect borrowing capacity. Additionally, proving income stability requires more documentation, such as two years of personal tax returns and business financials.