Our home loans

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Property usage
Repayment type
With offset account?
  • Variable

    Tiimely own

    Owner-occupied Principal & interest


    5.94%p.a.Interest rate

    5.95%p.a.Comparison rate


    • No hidden fees
    • Free online redraw on any additional repayments
    • Offset account optional for $10/month
    • Fast approval with Tiimely Turnaround™
    • Only 10% deposit required
    • Unlimited additional repayments
    • Up to 30 years loan term

    $3,574Monthlyrepayments



    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change. Download your Key Facts Sheet

  • Fixed 1 year

    Tiimely own

    Owner-occupied Principal & interest


    6.14%p.a.Interest rate

    6.01%p.a.Comparison rate


    • Offset account optional for $10/month
    • 5.99% roll-to-rate after 1 year
    • Fast approval with Tiimely Turnaround™
    • No hidden fees
    • Free online redraw on any additional repayments
    • $20,000 additional repayments limit per year
    • Only 10% deposit required
    • Up to 30 years loan term

    $3,651Monthlyrepayments



    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change. Download your Key Facts Sheet

  • Fixed 2 years

    Tiimely own

    Owner-occupied Principal & interest


    5.94%p.a.Interest rate

    5.99%p.a.Comparison rate


    • Offset account optional for $10/month
    • 5.99% roll-to rate after 2 years
    • Fast approval with Tiimely Turnaround™
    • No hidden fees
    • Free online redraw on any additional repayments
    • $20,000 additional repayments limit per year
    • Only 10% deposit required
    • Up to 30 years loan term

    $3,574Monthlyrepayments



    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change. Download your Key Facts Sheet

  • Fixed 3 years

    Tiimely own

    Owner-occupied Principal & interest


    5.94%p.a.Interest rate

    5.98%p.a.Comparison rate


    • Offset account optional for $10/month
    • 5.99% roll-to rate after 3 years
    • Fast approval with Tiimely Turnaround™
    • No hidden fees
    • Free online redraw on any additional repayments
    • $20,000 additional repayments limit per year
    • Only 10% deposit required
    • Up to 30 years loan term

    $3,574Monthlyrepayments



    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change. Download your Key Facts Sheet

  • Fixed 4 years

    Tiimely own

    Owner-occupied Principal & interest


    6.14%p.a.Interest rate

    6.05%p.a.Comparison rate


    • Offset account optional for $10/month
    • 5.99% roll-to rate after 4 years
    • Fast approval with Tiimely Turnaround™
    • No hidden fees
    • Free online redraw on any additional repayments
    • $20,000 additional repayments limit per year
    • Only 10% deposit required
    • Up to 30 years loan term

    $3,651Monthlyrepayments



    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change. Download your Key Facts Sheet

  • Fixed 5 years

    Tiimely own

    Owner-occupied Principal & interest


    6.14%p.a.Interest rate

    6.06%p.a.Comparison rate


    • Offset account optional for $10/month
    • 5.99% roll-to rate after 5 years
    • Fast approval with Tiimely Turnaround™
    • No hidden fees
    • Free online redraw on any additional repayments
    • $20,000 additional repayments limit per year
    • Only 10% deposit required
    • Up to 30 years loan term

    $3,651Monthlyrepayments



    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change. Download your Key Facts Sheet

Tiimely In-house Broker Service

Looking for something different?

Commonwealth Bank logoWestpacNABANZMacquarieINGSuncorpBank AustraliaMEBankwest

Tiimely Own is the smart choice for a low-rate loan with fast approval, but it’s not for everyone. Our in-house broker service provides major bank loans and supports complex situations and loan features such as split loans, guarantor loans, and construction loans.

Home loans made simple, with a human touch

Low-stress home loans with easy online approvals.

  • Local experts

    If you get stuck or have a question, you can speak to a friendly human (who actually knows what they're talking about), in seconds.

  • Real transparency

    No surprises, no hidden fees. Just straight-up info, fast. We hate salesy speak, so won't be pressuring you for anything.

  • We’ve got your back

    Our brokers don't work on commission, because they're here to find the right loan for your needs, not ours. Read more.

  • You’re covered

    We take security very seriously here at Tiimely Home. Our platform technology is so secure it's licensed by two of Australia's biggest banks.

What’s the catch with the low rates?

There's no catch. Thanks to our own tech, we're able to assess home loan applications much faster than the average lender. So with Tiimely Own home loans, we can pass on savings to customers via consistently low rates in market.

The rate graph shows Tiimely Own owner-occupied variable interest rates against outstanding owner-occupied variable rates for institutions as provided by APRA, RBA. Product features may differ across products. Rate comparisons exclude any costs and fees. Every borrower’s situation is different. Data is accurate as of 24-Jan-2024.

variable rate graph

Tiimely own home

There's more to love than just low rates

Our award-winning home loans are packed with all the essential features.

  • Secure, bank-backed offset

    We’ve partnered with one of Australia’s biggest banks to give you a 100% offset account that’s fully government guaranteed.

  • Tiimely Turnaround™

    Get approved faster with Tiimely Own home^. Our record for assessing and approving a home loan - with a contract – is less than 58 minutes from the time of application.

  • No hidden fees

    Our fees are simple and transparent, so you'll always know what to expect. $0 Upfront fees, $0 Monthly Fees (excludes offset), $0 Application Fee, $0 Annual Fees.

  • Fixed-rate with offset

    Unlike most other lenders, we offer a 100% offset account for both our fixed and variable home loans so you can save on interest.

  • Free redraws

    Make extra payments on your loan and reduce your interest, then easily access funds at a later date if you need cash.

  • Same low rate with a 10% deposit

    With Lenders' Mortgage Insurance (LMI), you can borrow up to 90% and get the same hot rates. Don't wait years for a discount.

Ivy, Tiimely Home Team

Local experts

Chat to a home loan expert

We pride ourselves on offering smart and fast service. 90% of our calls are answered within 20 seconds by the team in our Australian-based headquarters.

Hungry for numbers?

Explore our calculators

  • Repayments calculator

    Find out what your repayments could be and check if it's within your budget.

  • Borrowing Calculator

    Get an upfront estimate of your borrowing power.

  • Refinance calculator

    Not sure how your rates stack up? Find out how much you could save by refinancing.

  • Stamp duty calculator

    Understand the upfront costs involved with buying a home.

Have questions? We have answers

I'm self-employed, can I apply for a Tiimely Own home loan?

Of course you can. Just jump onto our application like everyone else and start filling in your details.

To be eligible, you’ll need to:

  • provide your registered ABN (of course!)
  • have been self-employed for at least 1 year
  • provide your most recent business tax return AND your most recent personal tax return together with the notice of assessment
  • be registered for GST If your turnover is more than $75,000p.a.
  • have a good credit history
  • meet our standard eligibility criteria

Financial validation requirements to note – Tiimely Own requires a years' worth of up-to-date tax returns or business financial statements.

The only difference you’ll find (as a self-employed person compared to a PAYG customer), is that we won’t be able to instantly validate your income by linking your bank accounts.

Instead, you will need to upload your business financial statements and tax returns, as well as your personal tax returns and notice of assessment, and our human credit assessors, will take a look at them to assess your application. They’re not as fast as our tech, but they can still get you an answer much faster than your average lender because they're only checking the bits the tech couldn't.

Get prepared and learn more about potential roadblocks you may face as a self-employed applicant.

Why are your rates so low? What’s the catch?

The short answer: We use technology to make old processes faster and eliminate overhead costs in the process. We don’t just collect your application details in a digital form. We assess and verify your information in real-time, as you fill it in. Our efficiencies cut time and cost from the process, and we pass this saving on to our customers. There’s no ‘catch’ — we’ve just invented a new, better way to get a home loan.

What does it mean to be bank backed?

Is Tiimely Home a bank?

No, we’re not a bank. But we’re bank-backed.

So what does it mean to be bank-backed?

Tiimely Home has the backing of Bendigo and Adelaide Bank, and they help us out in a few ways, like funding our home loans, providing our offset accounts and importantly, giving our customers the protections a bank has in the unlikely event something goes bad. Read more on the Financial Claims Scheme (FCS) and why it’s important our offset accounts are covered under the FCS.

More than that, we have an agreement with them to fund our Tiimely Own home loans. This means when you get a Tiimely Own home loan, any funds we loan you come from the Bank. Because our tech is so efficient at assessing customers for a home loan, we get market-leading pricing on those funds, which means we can offer customers bank-grade products but with really low rates and no fees. It’s a no-brainer.

Us and the bank? We go way back. As an initial funder in our early days, Bendigo and Adelaide Bank continue to be an important shareholder, too. They’re invested in our future.

All of this means you’re still a Tiimely Home customer, though.

What’s in it for Tiimely Home?

Partnering with a bank enables us to:

  • reduce our overhead costs and offer lower interest rates
  • focus on being a tech company to innovate in the home loans industry
  • combine the best features of a bank (like offering a real offset account) with the best features of a Fintech (like applying 100% online).

Do you have an offset account and how does it work?

An offset account is like a savings account that’s linked to your home loan which offsets the balance of your home loan, so you only pay interest on the home loan balance minus the amount in your offset account. If you have a decent balance in your offset account, you could save thousands of dollars in interest over the life of your loan.

We offer 100% offset accounts with all of our Tiimely Own home loans, including our fixed rate loans. You can find more information on our offset account here.

Can you withdraw money from an offset account?

An offset account has most of the features of a normal transactional savings account. You can deposit money into it and withdraw from it any time to pay bills or for day-to-day expenses.

The thing to remember is that the more you have in your offset account, the less interest you are paying on your home loan, so the more you can keep in there without withdrawing, the better off you will be.

Your money is protected

Your offset account is maintained by our funder, Bendigo and Adelaide Bank, who are an Authorised Deposit-Taking Institution (ADI). This means your offset account is guaranteed under the Australian Government's Financial Claims Scheme (FCS) for up to $250,000.

Tiimely Own offset accounts

Unlike some other lenders, at Tiimely Own we don't build the cost of the offset account into our interest rate. You simply pay $10 per month for the feature instead. Our offset accounts include;

  • A Tiimely Own Visa Debit card which you can use like any other Visa Debit or EFTPOS card, including at any Suncorp or Bendigo ATM free of charge.
  • A BPAY facility to make bill payments and a swipe option to make transactions at retail stores.
  • Deposit and debit features just like a normal bank account.

Adding or removing offset account

If you decide after you get your home loan that you'd like an offset account, you can add one to your existing home loan for a fee of $150. If you are on a fixed rate an additional break cost will also apply. Removing an offset account from your existing home loan will incur the same fees.

To add or remove an offset account, give us a call on 08 7109 9010 or email myloan@tiimelyhome.com.au and we’ll help.

Click here to learn more about offset accounts, and how they differ from redraw facilities.

How long does it take for a home loan to be approved?

How long does it take for a home loan to be approved?

Generally we’re pretty quick, but the time it takes us to get to your application can change depending on how many applications we’re currently receiving and the complexity of your application.

After you apply, we’ll let you know if we’re experiencing any delays. Once we pick up your application for assessment, we start working towards approval. Things will move really fast here. If you’re ready and can respond quickly to requests from our Credit Assessors, you and your application will be fully assessed in no time.

The quickest we’ve ever fully approved an applicant from the time they submitted their application (including assessment, verification, and running all our digital checks) was 58 minutes.

Because our application process is entirely online, we’ve been able to streamline it right down to the basics. We reimagined home loans from the ground up, making it more efficient and easier to understand. Because home loans should be simple.

Once you’ve completed the application process, you’ll either be approved, politely declined, or referred to one of our home loan experts to fill in any blanks or to get more information to enable your application to be assessed.

If you're approved, you'll get an email from us with next steps, along with your home loan contract. You’ll also get a settlement pack which will outline further steps.

What may delay my home loan approval?

Sometimes we can hit delays if we need a little more information. Opting for manual financial validation instead of securely linking your accounts, submitting an incomplete application, or providing inaccurate estimates of your expenses (or any information regarding your income, expenses and debts which doesn't match your actual situation) may require manual work for you and our credit assessors. These things all slow us down significantly. So make sure you’re really ready before you apply.

Our rates have proven to be quite popular, so we receive large volumes of applications from time to time. During these times, it takes us a little longer than we’d like to assess and approve your home loan application, and we’ll be sure to communicate this in a timely manner. We’re continually growing our team and are working hard to keep up with demand.

If your application is time-sensitive or if there is a deadline you’re trying to meet, please speak with our team to get an understanding of our current turnaround times. You can chat with us over LiveChat or on 1300 842 405.

What happens if my application needs to be reviewed by a Credit Assessor?

If we need a little more information, we’ll refer your application to one of our Credit Assessors. This is where a member of our team will jump in to help bring your application up to scratch and over the line. Our Credit Assessors can usually move fast, and your application can sometimes be completed quite quickly, especially if you’re proactive in responding to their requests for more information.

Sometimes they’ll only need one or two things — some updated payslips or a bank account statement. Everyone’s unique, so if your specific situation is more complex than most, they might ask you to provide more detail. If you’ve chosen to validate your financials manually, they’ll typically need to request more information from you and it will take longer to assess your application. When you choose digital validation, they receive the exact same information, just much faster.

Are you ready to try a better way to do home loans? You can start the application process for your home loan here.

Other information

Repayment amounts

Our monthly repayment estimates are based on the product you've chosen, the loan amount, as well as the property value you've entered, calculated over a 30-year loan term.

Legal things about our rates
Our home loans are subject to credit criteria and eligibility requirements. Home loan interest rates are for new customers only and can change. Our comparison rates are based on a $150,000 loan amount over a 25 year term. They factor in fees associated with applying for the loan; ongoing fees and fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Tiimely Turnaround
^Our turnaround times are up to 2x faster than the industry, based on a comparison of our average platform submit to approval time compared to industry submit to approval time, published here  (June 2023). Customer turnaround times are dependent on individual circumstances and may require an assessor to obtain more information.

Our trade mark
Tiimely is a registered trademark of Tiimely Pty Ltd.