Investor home loans

Maximise your investment

We’ve helped thousands of Australians save on home loan repayments.

Variable

Tiimely own

Investment Principal & interest


6.29%p.a.Interest rate

6.29%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 Home

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 Home

Unlike other lenders, we keep things fast and low

Thanks to our own tech we're able to assess home loan applications faster than the average lender. This means we can pass savings straight to our customers, and offer some of the lowest rates in the market.

The rate graph shows Tiimely Own variable investment interest rates against outstanding investment variable rates for 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 07-Sep-2023.

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.

Tiimely In-house Broker Service

Looking for something different?

Commonwealth Bank logoWestpacNABANZMacquarieINGSuncorpBank AustraliaMEBankwest

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.

Calculate your home loan repayments

Property usage
Rate type
Repayment type

Variable

Tiimely own

Owner-occupied Principal & interest

5.94%p.a.Interest rate

5.95%p.a.Comparison rate


Your estimated repayments would be

$2,859/month


Total loan repayments
$1,029,367

Total interest charged
$549,367


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 stories, real savings

Hear from our satisfied Tiimely Home customers (formerly Tic:Toc) on Trustpilot.com

Excellent4.6 out of 5 •
784 reviews

YOUR ELIGIBILITY

Let's see if we tick your boxes

Tiimely Home Team

Local experts

Chat to a home loan expert

We pride ourselves on offering smart and fast service. 90% of our calls are answered within 20 seconds by the team in our Australian-based headquarters.

Let's talk

Have a question about investment loans?

Learn more with some of our frequently asked questions.

Can investors get interest-only home loans?

Yes, investors can get interest-only home loans. With Tiimely Home, our investment home loan rates are available as either variable or fixed, and with an interest-only period between 1 and 5 years.

How much can you borrow for an investment property?

This will depend on many different factors, like your income and your current living expenses. To get an estimate, check out our borrowing calculator and run the numbers.

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 set you on the road to building a profitable investment property portfolio.

You can use the equity in your home 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 still 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.

But it can still be a significant amount for an investment property deposit or any other use you may have for it, such as renovating your home, investing in shares or managed funds or improving your lifestyle with a holiday or new car.

Tips when buying an investment property

  • All investments carry some level of risk, so to reduce your exposure when accessing your equity;
  • You could keep some of your equity for emergencies, instead of using it all to invest in property.
  • Consider repaying your home loan as quickly as you can.
  • Think about learning more about property investing so you can make educated choices.
  • It's always 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.

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.