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Who actually lends me the money and where does it come from?

For Tiimely Own home loans:

Your loan provider is Tiimely Home, which makes you a Tiimely Home customer. The funder of your loan is Bendigo and Adelaide bank.

What the bank does

If we approve your Tiimely Own home loan, the Bendigo and Adelaide bank then provides the online portal where you can make your loan repayments and access your offset account. They also process any changes you might want to make to your loan.

We partnered with Bendigo and Adelaide Bank because they’re a trusted bank, protected by the Australian Government's Financial Claims Scheme (FCS). Read more on the Financial Claims Scheme (FCS) and why it’s important our offset accounts are guaranteed under Financial Claims Scheme (FCS) for up to $250,000.

For loans from partner lenders via our in-house broker service:

Your loan facilitator will be Tiimely Home, and we’ll partner you up with a lender from our lender panel. The loan will be funded by the lender that you choose. Read more in our credit guide.

What Tiimely Home provides across both

Tiimely Home also takes care of the assessment process once you’ve applied for your home loan, requesting a credit check from a credit reporting agency and using it to assess your eligibility for the loan.

You’ll still be supported through your home loan journey will receive top-notch customer service from the same team of Home Loan Experts and our in-house broker team, who are based in our Adelaide HQ.

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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.