flagFounded: 2020

businessOwned by: Privately owned

account_balanceLender type: Non-bank, Online lender

WLTH, pronounced ‘wealth’, calls itself the “natural evolution of money”. It was founded with the intention of simplifying the traditionally complex process of applying for home loans. The non-bank lender is a newcomer in the Australian mortgage industry. It was registered as a business in early 2020 and launched its first home loans in early 2021. In 2022, It announced a partnership with Specialist Finance Group, giving 1600 brokers access to its lending products. WLTH strives to change the finance experience in the digital era. For every home loan WLTH settles, it assists the Parley for the Oceans team with cleaning up 50 square metres of beach or coastline somewhere in Australia or around the world.

What Home Loan Types Does WLTH Provide?

WLTH has four key products – owner-occupier loans, Investment loans, Interest-only investment loans and investment self-managed super fund (SMSF) loans. All these come with variable interest rate terms, zero application fees and electronic offset accounts, except investment SMSF loans, where an application fee is charged and an optional E-offset account is available. Principal and Interest Home Loan
  • Variable rates from 4.14% a year
  • Up to 90% LVR
  • No application fees
  • E-offset account
Principal and Interest Investment Home Loan
  • Variable rates from 4.74% a year
  • Up to 90% LVR
  • No application fees
  • E-offset account
Interest-only Investment Home Loan
  • Variable rates from 5.24% a year
  • Up to 80% LVR
  • No application fees
  • E-offset account
Investment SMSF Home Loan
  • Variable rates from 5.49% a year
  • Principal and Interest
  • Up to 80% LVR
  • Optional E-offset account

Note: Interest rates are as at 17/11/2022. They may change over time.

Special WLTH Features

E-offset account

An electronic offset account that can be used against the home loan, reducing the amount of interest ultimately paid on variable home loans.

Fast online application and approval

Customers can sign up and fill out an application within minutes and be approved for a home loan within a few days. You can also check WLTH’s repayments calculator to determine monthly repayments.

How Do WLTH’s Home Loans Compare?


  • Simplified and faster application process
  • Fast approval
  • Flexible lending options
  • Competitive home loan rates
  • 95% LVR available
  • Offers repayment calculator
  • E-offset account
  • No application fees
  • Low-deposit loans
  • Provides SMSF loans
  • Good customer service
  • Good digital experience
  • 24/7 online banking


How To Apply For A WLTH Home Loan

You can apply for a home loan in as little as 15 minutes through its five-step online application process. WLTH’s lending specialists are available five days a week for support and assistance. You will need to the following to complete the application:
  • Step 1: Basic information about loan and loan types
  • Step 2: Detailed information about you
  • Step 3: Information about income
  • Step 4: Information about assets
  • Step 5: Information about expenses
  • Optional: Upload key documents and ID verification

Eligibility Requirements

All applicants must meet the following requirements: