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How can I get approved faster?

We take as little time as possible to assess your application, however the time it takes can change depending on the complexity of your application,

We’ll let you know if we’re experiencing any delays and once we pick up your application, we immediately start working towards approval. Our process moves quickly so it’s important to check your eligibility and make sure you have the correct identification and documentation ready when you apply. This helps our Credit Assessors review your application in as little time as possible.

These things may require manual work for our Credit Assessors and slow down the process:

  • Opting for manual financial validation instead of securely linking your accounts
  • Submitting an incomplete application
  • Providing inaccurate estimates of your expenses (or any information regarding your income, expenses and debts which doesn't match your actual situation)

Making sure you have everything ready before you apply and responding quickly to requests from our Credit Assessors, will help get you approved faster.

Note: We’ll only refer your application to one of our Credit Assessors if we need more information. Sometimes they’ll only need one or two things like updated payslips or a bank account statement. Everyone’s situation is unique, so if your specific application is more complex than most, you might be asked to provide more detail. If you’ve chosen to validate your financials manually, this typically requires more information and your application will take longer to assess, however if you choose digital validation, our team receive the exact same information, but much faster.

If your application is time-sensitive or if there is a deadline you’re trying to meet, please speak with our team to get an understanding of our current approval times. You can chat with us over LiveChat or on 1300 842 405.

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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.

Our trade mark
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.