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What types of home loans does Tiimely Home offer?

For a Tiimely Own home loan, we offer:

Two simple loan types:

  • Fixed rate – an interest rate that’s locked in for a set period of time
    OR
  • Variable rate – an interest rate that fluctuates with the market

With two simple loan uses:

  • Owner-occupied – for those looking for a property to live in
    OR
  • Investment – for those looking to build a property investment portfolio

Two different repayment types:

  • Principal & interest – to pay off the loan amount plus interest
    OR
  • Interest only – to pay only the interest

And two different deposit requirements:

  • From 20% deposit – which allows you to borrow up to 80% of a property’s value
    OR
  • From 10% deposit – these loans will need to be guaranteed by Lenders Mortgage Insurance (LMI).

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

Note: Our offset facility is optional except for applications that have >80% LVR.

Looking at an apartment? You’ll need to check to see if the property is considered high density, and there are a few extra checks we'll need to do.

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 use the efficiency of our process to offer some of the best interest rates in the market.

If a Tiimely Own home loan isn’t suitable, we’ll let you know upfront and put you in touch with one of our Tiimely Home brokers to find you a home loan that better suits your needs. We have access to a panel of lenders that include major banks to supports complex situations and loan features such as split loans, guarantor and construction loans.

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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.

^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. Tiimely Own 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 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).