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Can I switch from an investment loan to owner-occupied?

If you’ve moved into your investment property you’re now considered an ‘owner-occupier’, so you’ll need to change to an owner-occupier home loan. If you’re already an existing customer, you can contact our post settlement team either by email or phone and we can help you switch over.

If you’re a new customer, you’ll need to refinance your home loan and apply for an owner-occupied home loan instead of an investment one.

Note: You don’t need to record your rental income for that property in the application.

Found in:

  • My home loan
  • Refinancing

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Legal information 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.

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Tiimely is a registered trademark of Tiimely Pty Ltd.

Tiimely FAQs and Guides
At Tiimely Home we are not financial advisers and recommend seeking independent financial and legal advice to check how the information we provide aligns with your individual circumstances.