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How Long Do I Have To Be Employed Before I Apply?

Here's what you need to know based on your employment type.

Full-time, permanent part-time, dependent contractor and casual PAYG roles

  • you've held your job for 6 months, or had 12 months of continuous service in the same industry

Self-employed roles

  • you've traded for 1 year, and meet our other self-employment criteria

If your situation is outside these categories and we are unable to approve you for a Tiimely Own home loan, you’ll have the option of accessing our Tiimely Home Brokers where your application will be assessed against our panel of 30+ lenders and 1000s of home loan options without you having to reapply. ​

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Important information about our rates
*Our home loan rates are based on loan-to-value ratio (LVR) pricing and loans are subject to credit criteria and eligibility requirements. Rates apply to new customers only and are subject to change without notice.

Comparison rates are based on a loan amount of $150,000 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 specified fixed term. If the interest only period is not specified, the comparison rate is calculated on a 5-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.

Other legal information
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.