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I'm self-employed, can I apply for a Tiimely Own home loan?

Of course you can. Just jump onto our application like everyone else and start filling in your details.

To be eligible, you’ll need to:

  • provide your registered ABN (of course!)
  • have been self-employed for at least 1 year
  • provide your most recent business tax return AND your most recent personal tax return together with the notice of assessment
  • be registered for GST If your turnover is more than $75,000p.a.
  • have a good credit history
  • meet our standard eligibility criteria

Financial validation requirements to note – Tiimely Own requires a years' worth of up-to-date tax returns or business financial statements.

The only difference you’ll find (as a self-employed person compared to a PAYG customer), is that we won’t be able to instantly validate your income by linking your bank accounts.

Instead, you will need to upload your business financial statements and tax returns, as well as your personal tax returns and notice of assessment, and our human credit assessors, will take a look at them to assess your application. They’re not as fast as our tech, but they can still get you an answer much faster than your average lender because they're only checking the bits the tech couldn't.

Get prepared and learn more about potential roadblocks you may face as a self-employed applicant.

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  • Home loan ready

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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 trademark of Tiimely Pty Ltd.