Invest
Maximise your investment
We’ve helped thousands of Australians save on home loan repayments.
Fixed 2 years
Tiimely own
Investment • Principal & interest
6.14%p.a.Interest rate
6.27%p.a.Comparison rate
Tiimely Turnaround™
Enjoy low rates, faster
Get approved faster with Tiimely Own home^. Our record for assessing and approving a home loan - with a contract – is less than 58 minutes from the time of application.
Tiimely Own
Features you need, at a better rate
Get big-bank quality products with lower rates. Access features like fixed home loans with an offset account, to manage tax and cashflow.
Tiimely Own
Unlike other lenders, we keep things fast and low
Our own tech assesses home loan applications faster than the average lender. This means we can pass savings on to our customers, and offer some of the lowest rates in the market.
The rate graph shows Tiimely Own Home variable investment P&I interest rates against outstanding investment variable rates for all institutions as provided by APRA, RBA. Product features may differ across products. Rate comparisons exclude any costs and fees. Every borrower’s situation is different. Data is accurate as of 09-April-2024.
Calculate your home loan repayments
Variable
Tiimely own
Owner-occupied • Principal & interest
5.99%p.a.Interest rate
6.00%p.a.Comparison rate
Your estimated repayments would be
$2,875/month
Total loan repayments
$1,034,913
Total interest charged
$554,913
These estimates are for our Tiimely Own home loan. Just a note, if you choose a home loan with one of our partner lenders, your savings may vary based on your specific home loan.
Real customers, real savings
See what satisfied Tiimely Home customers (formerly Tic:Toc) say about us on Trustpilot.com
Equity
Unlock equity and save on interest
If you have usable equity in your home, you may be able to take out a loan against it to reduce your interest repayments or access additional funds.
Our In-house Broker Service
Looking for something different?
Tiimely Own is the smart choice for a low-rate loan with fast approval, but it’s not for everyone. 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.
Local experts
Talk to a local home loan expert
We pride ourselves on our service. 90% of customer calls are answered within 20 seconds by our Australian-based team.
Have a question about investment loans?
Learn more with our frequently asked questions.
Can investors get interest-only home loans?
Yes, with Tiimely Own, our investment home loan rates are available as either variable or fixed, and with an interest-only period between 1 and 5 years.
Learn more here.
How much can I borrow for an investment property?
This depends on many different factors, such as your income and current living expenses and every lender has their own formula for calculating your borrowing power.
You can get an estimate of your borrowing power with Tiimely Home by using our borrowing calculator.
What does an investment loan comparison rate mean?
Investment loans also have comparison rates, and they’re used the same way as other home loan comparison rates: as a tool to more easily compare options from lender to lender. Tiimely Own home comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan.
How do I apply for an investment home loan?
To apply for a Tiimely Own home loan, have a look at our eligibility criteria to see if we could be a good fit. Then, take a look at our home loan options to see if any of our investor home loans suit you. When you’re ready, apply online. Our digital application should take around 15 minutes to submit.
Can I use the equity in my current home as a deposit?
Yes, equity is a powerful tool that can help you to build a profitable investment property portfolio.
The equity in your home can be used as an investment property deposit and if you have enough equity built up, you can borrow 80% of the property’s value without having to use your own cash.
How equity is calculated
Your accessible equity is the difference between your home’s current value and how much you owe on your home loan.
If you’ve lived in your home for five years or more, you’ve probably accumulated quite a bit of accessible equity.
But lenders will only lend up to 80% of your home’s current value minus your current mortgage. This is known as your useable equity, which is quite a bit less than your accessible equity.
It can still however, be a significant amount for an investment property deposit or any other use you may have such as renovating, investing in shares or managed funds or improving your lifestyle with a holiday or a new car.
Buying an investment property
All investments carry some level of risk, so it’s important to get professional financial advice to fully understand your options.
How our home loan repayment calculator works
How do I use a home loan repayment calculator?
Calculate loan repayments with this home loan repayment calculator. It’s simple to use. Type in your current or potential loan amount, and enter the current or potential loan term. Select your loan purpose (live-in or investment), your rate type (variable or fixed) and your repayment type (principal and interest or interest only) and let the home loan payment calculator do the rest. We’ll show you the most appropriate Tiimely Own products based on your selection criteria, as well as your estimated home loan repayments. You can also use this as a home loan interest calculator — we’ll show you the total interest charged over the life of your loan, as well as the total repayments you’ll make over the life of the loan.
What are we calculating?
This home loan repayment calculator/mortgage repayment calculator is a guide only, and gives you an estimate of what your repayments will be with Tiimely home, based on the loan amount and loan term you entered, our current home loan interest rates and the loan variables you choose. You’ll still need at least a 10% deposit (and for deposits below 20% Lender’s Mortgage Insurance (LMI) is applicable). The maximum term of interest-only loans is 25 years. You’ll get a real assessment when you begin an application, and enter the specifics of the property, your loan type, personal details and your financials. This is not credit approval. Find out more about our eligibility criteria here.
Other information
Our numbers
58 mins is our record to deliver a home loan contract as of Sep 19th 2023.