Before you start

Our eligibility criteria looks across a range of factors including:

• Property: value, location, and type
• Your contributions (aka deposit or equity amount)
• Employment: current and previous history, and type
• Identity: forms of government ID, and citizenship

Check our eligibility page to see if a Tiimely Own home loan, or a loan via our in-house broker service is best for you.

There are typically a range of costs involved when you take out a home loan. These can include application fees, valuation fees, establishment fees and discharge fees.

Our fees are simple and transparent, so you'll always know what to expect. You can view our fees here.

The short answer is no. But you'll always have a highly competitive rate.

Think of it like this – when you get a Tiimely Own home loan, we’ve locked in a ‘price’ with our funder (Bendigo and Adelaide Bank) for that loan, which is reflected in your interest rate.

When we have a new variable rate for new customers, it means we’ve been able to lock in a lower price with our funder. It doesn’t change the price we secured for your loan. So, having a lower rate for new customers doesn’t mean we’re making more money off our loyal customers to pay for the discount – because we don’t believe in that. It means our funder has been able to give us a better price at that specific time. At some point, our funder may actually increase the price they’ve agreed with us, which means the rates for new customers will go up. And some existing customers will be better off.

The new rate offers work differently to cash rate changes. If there’s an RBA cash rate cut and our funder’s costs ease, they may be able to pass on the cut which means all our customers will receive the same discount off their rate – new and existing. The good news is, all of our rates are highly competitive because of our tech-driven proposition. And even if your rates are a fraction higher than the new headline rate, you will still be saving thousands compared to the average loan.

Australia-wide.

For Tiimely Own home loans, we're restricted to lending against properties in Australian capital cities and major regional centres.

For a loan via our in-house broker service our panel of lenders can service pretty much the entire country.

Your banking login details are requested for one sole purpose: to retrieve read-only copies of your transaction history, direct from your banking sites.

It is impossible for Tiimely Home to transfer, move or do anything else with your bank accounts aside from receiving a copy of your transactions and loan statuses. We only see the information we need to approve your loan application – the same information you would supply us if you were submitting the documents manually (once you find them, print them, scan them, email them). It’s just much faster this way.

We think our way of digitally validating your financials is far safer than sending financial statements via email.

When you enter your online banking details, no human will ever see your credentials. Your password isn’t retained. It’s encrypted and hashed all the way back through the hardware.

Your data is secured by our world-leading encrypted technology partner, Envestnet Yodlee (Yodlee). We chose them because they’re the best in the business, and they’ve been at the forefront of financial technology security for over 20 years.

We know it sounds strange asking for your banking login details, but rest assured that nobody (not even Yodlee) sees them. As soon as your details have been entered and validated in the approval stage of your home loan application, they are encrypted, separated, and securely stored. Once your financial validation has been completed they are completely obliterated, never to be seen again.

Don't want to enter your bank details? That's okay too.

You can simply upload copies of your transaction statements and any other documents we may need to verify your financial position. Just be aware that this will mean a Tiimely Home team member will be required to review them, so the application process will take a little longer.

If you'd like more detail about how you can read more on our security page.