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How long do I have to be employed before I apply for a Tiimely Own home loan?

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

Full-time and permanent part-time PAYG roles

you've held your job for 6 months, or

had 12 months of continuous service in the same industry

Dependent contractor PAYG roles

you've held your job for 6 months, or

had 2 years of continuous service in the same industry

Casual PAYG roles

you've held your job for 12 months, or

6 months if you’ve had 2 years of continuous service in the same industry

Self-employed roles

you've traded for 1 year, and

meet our other self-employment criteria

If you fall outside of any of these categories and we are unable to approve you for a Tiimely Own home loan, we encourage you to apply using our application form and we’ll direct you through to our in-house broker service. We’ll match your application (with your permission, of course) against our panel of 30+ lenders and 1000s of home loan options without you having to reapply. ​There’s no need to wait!

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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 trade mark of TicToc Online Pty Ltd (trading as Tiimely).