Fast track your home loan savings in 15 minutes
Skip the bank queues. With Tiimely Home Loans you can apply online, and get your application assessed in a day. Saving on your home loan is easier than you think.
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
Please note if you add an offset account, your comparison rate will change.
Tiimely own
Our customers left these lenders to join Tiimely Home
The graph to the right shows the proportions of lenders Tiimely home customers have refinanced from, October 25th, 2023, to January 25th, 2024, and is updated quarterly. We use actual encumbrance data in these calculations. This graph was last updated on January 25th, 2024.
Here's why they switched
Tiimely Turnaround™
Enjoy low rates, faster
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.
Tiimely own
Others just can't compete
We’ve built a better way to get a home loan. Our tech cuts time and cost from the process, so we can pass savings onto our customers. We keep our rates low, with no sneaky ‘catch’.
Tiimely Turnaround™
Features you need, at a better rate
Get big-bank quality products with lower rates. Tiimely Own home loans have 100% offset accounts available (even on fixed rates) or fee-free redraw.
Tiimely own
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.
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
Please note if you add an offset account, your comparison rate will change.
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
Please note if you add an offset account, your comparison rate will change.
Variable
Tiimely own
Investment • Principal & interest
6.29%p.a.Interest rate
6.29%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
Please note if you add an offset account, your comparison rate will change.
Fixed 1 year
Tiimely own
Investment • Principal & interest
6.24%p.a.Interest rate
6.29%p.a.Comparison rate
- Offset account optional for $10/month
- 6.29% 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
Please note if you add an offset account, your comparison rate will change.
Our In-house Broker Service
Looking for something different?
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.
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 government-guaranteed.
Unlimited extra repayments
Get unlimited extra repayments for variable loans and up to $20,000 per year for fixed home loans.
Refinance & purchase
Whether you're looking for your first home, or want to refinance we have a home loan that will suit you.
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 rate, no matter your LVR. Don't wait years for a discount.
Real stories, real savings
Hear from our satisfied Tiimely Home customers (formerly Tic:Toc) on Trustpilot.com
Tiimely own
The different kinds of fees
Government fees and charges
No matter what home loan is right for you, be aware of the government fees and charges that may apply during the process.
Local experts
Talk to a local home loan expert
We pride ourselves on our service. 90% of customer calls are answered within 20 seconds by our Australian-based team.
HUNGRY FOR NUMBERS?
We have calculators
Don't miss out on savings, apply in minutes
Apply online
It takes around 15 mins to apply. You'll get a decision in minutes or ASAP if we hit a manual snag.
Break up with your lender
We'll submit discharge forms to your lender. They won't be in a rush to give you up.
Happy settlement day
We'll pay out your existing loan and set up your new accounts. Enjoy your savings.
Have questions? We have answers
What does it mean to be bank backed?
Is Tiimely Home a bank?
No, we’re not a bank. But we’re backed by a trusted bank.
So what does that mean?
Tiimely Home has the backing of Bendigo and Adelaide Bank; they fund our home loans, provide our offset accounts and importantly, giving our customers the protections a bank has in the unlikely event of a finance crisis. Read our guide on the Financial Claims Scheme (FCS) and why it's important that our offset accounts are covered under the FCS for up to $250,000.
Our agreement with them to fund our Tiimely Own home loans means that when you get a Tiimely Own home loan, any funds we loan you come from Bendigo and Adelaide Bank .
Our proprietary tech that powers our application process, is so efficient at assessing customers for a home loan, that we get market-leading pricing on the bank funds. This means we can offer customers bank-grade products but with low rates and no hidden fees.
Bendigo and Adelaide Bank has been our partner since our early days and continue to be an important shareholder and invested in our future.
Why does Tiimely Home need a bank partner?
Partnering with a bank enables us to:
- reduce our overhead costs and offer lower interest rates
- focus on tech innovation for the home loans industry
- combine the best features of a bank (like offering an offset account) with the best features of a Fintech (100% online application).
Why are your rates so low? What’s the catch?
There is no catch, we just have a simpler, better way for customers to get a home loan.
Our Tiimely Home application is different to traditional applications. It’s not a manual form that you fill out digitally, but a live application that assesses your information and eligibility in real time.
It’s because of this efficiency in our process that we’re able to offer some of the best interest rates in the market.
Am I eligible to apply for a Tiimely Own home loan?
You can easily find out by checking against our eligibility criteria. These consider a range of factors including:
- Property: value, location, and type
- Your contributions (deposit or equity amount)
- Employment: current and previous history, and type
- Identity: forms of government ID, and citizenship