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Variable

Tiimely own

Owner-occupied Principal & interest


5.94%p.a.Interest rate

5.95%p.a.Comparison rate



Backed and funded by Bendigo and Adelaide Bank
Excellent4.6 out of 5 •
803 reviews

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Faster approval

Faster approval

One online application to get the right home loan, lightning fast. Because life’s too short for life admin.

Better service

Better service

Let our team of Australian-based experts take the stress out of getting a home loan.

Exclusive low rates

Exclusive low rates

Access Tiimely Own home loan rates not available via any bank or broker.

Tiimely Own

Award-winning online home loans, to suit you

Some of Australia's best interest rates live here.

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Choose product type
  • 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


    Backed and funded by Bendigo and Adelaide Bank

    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


    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change.

More options

Unlock more deals

Apply once and get matched with 1000s of loan options from different lenders. Our in-house broker service will put your application information to work, to find you the right deal.

Broker Logos

Real stories, real savings

Hear from our satisfied Tiimely Home customers (formerly Tic:Toc) on Trustpilot.com

Excellent4.6 out of 5 •
803 reviews

Local experts

Chat to a home loan expert

Chat with us

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.

Frequently asked questions

Have questions? We have answers

Getting a home loan is an important decision, so it's natural to have questions.

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).

What is an online home loan?

It’s like a traditional home loan, but done completely digitally, online. It’s more than a digital form you fill out — we’ll assess your application as you fill it in, and we’ll verify your information as we go.

Never applied for a home loan without help before? Don’t worry. If you have questions, have a read of our FAQs, or contact us. We’ll be glad to help.

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.