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What types of home loans does Tiimely Home offer?

For Tiimely Own home loans, we offer two simple loan types:

Fixed rate – interest rate is locked in for a set period

OR

Variable rate – interest rate fluctuates with the market

With two simple loan uses:

Owner-occupied – first home buyers or those buying their next home

OR

Investment – those looking to build a property investment portfolio

Two different repayment types:

Principal & interest – pay off the loan amount plus interest

OR

Interest only – pay the interest only (popular with investors)

And two different deposit requirements:

From 20% deposit – allows you to borrow up to 80% of a property’s value

OR

From 10% deposit – loans guaranteed by Lenders Mortgage Insurance (LMI).

We also offer offset accounts for both fixed and variable home loans.

Looking at an apartment? Check to see if your property is considered high density, there are a few extra checks we'll need to do.

And our fees? Our fees are simple and transparent, so you'll always know what to expect.

And because our application process is online, we’re able to offer some of the best interest rates you’ll find anywhere!

If a Tiimely Own home loan doesn’t meet your requirements, don’t worry! We’ll let you know along the way if we think we can find you a better home loan solution through our in-house broker offering. Our in-house broker service provides major bank loans and supports complex situations and loan features such as split loans, guarantor loans, and construction loans.

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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.