Get a better deal on your home loan

A faster way to refinance. Use our refinancing calculator and see how much you could save.

5.29%p.a.Interest*

5.30%p.a.Comparison^

Variable rate | Live-in | Principal & Interest | LVR > 60% and ≤ 70%

Sharp fixed rates for investors

From first-time investors to portfolio builders, secure sharp fixed investment rates online plus a limited time cashback on eligible loans.

5.49%p.a.Interest*

5.58%p.a.Comparison^

Apply for an investment loan

2 years fixed rate | Investor | Principal & Interest | LVR > 60% and ≤ 70%

Buying your first home, made less scary

We make home loans transparent with LiveChat customer support and expert mortgage brokers to help you navigate every step.

Finance your first home

People love our mortgage brokers

Really, check Trustpilot. You’ll see some very kind words, and we couldn’t agree more.

Tiimely Home mortgage brokers

We’re all about getting you the right home loan.

Whether you're after our Tiimely Own home loan, or looking for something different across our panel of 33 lenders, we are here to support you every step of the way. We’re here to make it simple, transparent, and tailored to you.

Exclusive offer

Exclusive offer to Tiimely Home customers when refinancing your existing home loan or purchasing a new property.

Hands holding up newspaper featuring interest rates

Easy refinance

Get a better variable rate

Investment

Access feature-packed investor loans to accelerate your property plans. Our Tiimely Home mortgage brokers have access to loans with a wide range of features that can help you achieve your investment goals faster.

Debt consolidation

Combine high-interest debts (like credit cards) into one low rate home loan, ease your cashflow and put thousands back in your pocket each year.

Construction loans

From building your dream home to major renovations, we'll help manage the finance through the milestones smoothly.

Split loans

Not sure weather to fix or stay variable? Why not do both. Enjoy stability and flexibility by splitting your loan.

Australian Government 5% Deposit Scheme

Get a great first home loan

Complex solutions

Using equity, need a bridging loan or your circumstances are just a bit different? Our experts and lenders handle complex scenarios with ease. Talk to a broker today to discuss your needs.

Limited time cashback offer

Apply for a 2 or 3 year fixed rate home loan by 31 January 2026 and be rewarded.

Owner Occupier

Get a fixed rate home loan and up to $3,000 cashback

Terms and conditions apply.

Invest

Secure your investment rate and get up to $3,000 cashback

Terms and conditions apply.

Refinancing?

Make the switch to keep more in your pocket. Calculate your savings when you switch your home loan to a Tiimely Own home loan.

Australia's leading online home loan destination.

In 2017, we launched as Tic:Toc Home Loans, introducing The World’s First Instant Home Loan®. A world-first innovation that changed the way Australians fulfilled their home loan.

Since then, we’ve evolved beyond our price and speed proposition. What began as a faster way to get your approval has become something much bigger, to become Australia’s leading online home loan destination. Now as Tiimely Home, we combine our innovation with real human expertise to make every step of the home loan process faster, smarter, and simpler. We are here to support Australians refinance, buy, and invest with confidence.

With access to multiple lenders and our own award winning Tiimely Own product, competitive rates, and expert support all the way to settlement, Tiimely Home is helping thousands achieve their home ownership goals on their terms.

Lowest rates
Access over 30 lenders across a full range of products, gives you options along with the most competitive rates, with no hidden fees or surprises
Choice of home loan options
Buying, refinancing, investing, building or renovating, we will get the perfect loan tailored to you
Fast approvals
Our fastest home loan contract delivered in 58 minutes
Support all the way
Our expert brokers and customer care team guide you from application to settlement

See our home loans

Real customers. Real stories. Real savings

Don’t take our word for it. Read what real Australians say about their Tiimely Home experience on Trustpilot.

Excellent • 4.5 out of 5 •

909 reviews

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 bank loans from over 30 major lenders and supports complex situations and loan features such as split loans, guarantor loans, and construction loans.

Talk to a broker Learn more

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Important information about rates
*Tiimely Own products are subject to loan-to-value ratio (LVR) requirements, eligibility and credit criteria and terms and conditions. Rates apply to new Tiimely Home customers only and are subject to change without notice.

**The rates shown for products available from panel lenders via Tiimely Home brokers are current based on information from panel lenders and are subject to change without notice. The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product and the product may not include all the features relevant to you. All applications are subject to lender assessment and approval, and eligibility requirements and terms and conditions apply.

^The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a Tiimely Own loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years.

WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All interest rates are subject to change without notice.

Other important information
+Tiimely Home is known for its fast approvals for Tiimely Own products and responsive service, powered by our technology and supported by our team of experts. Application and approval times are estimates only and not guaranteed. Turnaround times are dependent on individual circumstances. Applications for a Tiimely Own loan may require an assessor to obtain more information. Assessment times for home loan applications made via Tiimely Home brokers are dependent on individual panel lenders.

The information provided does not constitute an offer of credit and does not take into account your objectives, financial situation or individual circumstances. We recommend seeking independent financial, taxation and legal advice to check how the information provided aligns with your individual circumstances.

Tiimely Home receives commissions from Tiimely Own loans and, where customers apply for a loan with the assistance of a Tiimely Home broker, from loans settled with panel lenders. Tiimely Home brokers do not receive individual commissions. More information about the credit services provided by Tiimely Home is available in the Tiimely Home Credit Guide (PDF) and Tiimely Home Broker Credit Guide (PDF).