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How quickly can you get a home loan assessed?

We’re known for our fast assessment times, with our online application taking as little as 15 minutes to complete. Assessment time depends on the complexity of your application and the number of applications we're processing at the time.

Once you’ve completed the application process, you’ll either be approved, politely declined, or referred to one of our home loan experts to get more information so your application can be assessed.

We’ll also let you know if we’re experiencing any delays and once we pick up your application for assessment, we immediately start working towards approval. The quicker you’re able to respond to any requests from our Credit Assessors, the quicker we’ll be able to fully assess your application.

Our application is entirely online.

We thought home loans were too complicated and worked to reimagine the process from the ground up, making it more efficient and easier to understand.

If you're approved, you'll get an email from us detailing the next steps, along with your home loan contract. You’ll also get a settlement pack which will outline further steps.

What may delay my home loan approval?

Sometimes delays occur if we need more information. Opting to validate your financials manually instead of securely linking your accounts slows the process down significantly, and one of our Credit Assessors will need to assist. Submitting an incomplete application or providing inaccurate estimates of your expenses or any information regarding your income, expenses and debts, also requires manual work from our Credit Assessors, so make sure you’re ready before you apply.

Due to our competitive rates, we can receive large volumes of applications, and it takes us a little longer to assess your application. We work hard to keep up with demand and are continually growing our team to maintain our fast assessment times.

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

What happens if my application needs to be reviewed by a Credit Assessor?

If we need more information, we’ll refer your application to one of our Credit Assessors who’ll help you complete your application. Our Credit Assessment team move fast, and if you’re proactive in responding to their requests, they’ll be able to process your application quickly.

Sometimes they 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. If you choose digital validation, our team receive the exact same information, but much faster.

If you’re ready to try a better way to do home loans - start your application process.

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Important information about rates
*Tiimely Own products are subject to loan-to-value ratio (LVR) requirements, eligibility and credit criteria and terms and conditions. Rates apply to new Tiimely Home customers only and are subject to change without notice.

**The rates shown for products available from panel lenders via Tiimely Home brokers are current based on information from panel lenders and are subject to change without notice. The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product and the product may not include all the features relevant to you. All applications are subject to lender assessment and approval, and eligibility requirements and terms and conditions apply.

^The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a Tiimely Own loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years.

WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All interest rates are subject to change without notice.

Other important information
+Tiimely Home is known for its fast approvals for Tiimely Own products and responsive service, powered by our technology and supported by our team of experts. Application and approval times are estimates only and not guaranteed. Turnaround times are dependent on individual circumstances. Applications for a Tiimely Own loan may require an assessor to obtain more information. Assessment times for home loan applications made via Tiimely Home brokers are dependent on individual panel lenders.

The information provided does not constitute an offer of credit and does not take into account your objectives, financial situation or individual circumstances. We recommend seeking independent financial, taxation and legal advice to check how the information provided aligns with your individual circumstances.

Tiimely Home receives commissions from Tiimely Own loans and, where customers apply for a loan with the assistance of a Tiimely Home broker, from loans settled with panel lenders. Tiimely Home brokers do not receive individual commissions. More information about the credit services provided by Tiimely Home is available in the Tiimely Home Credit Guide (PDF) and Tiimely Home Broker Credit Guide (PDF).