Low-stress home loans with easy online approvals

Our application takes around 15 minutes to complete

Home loan features

Features to fit you

Home loans come in all shapes and sizes, so figuring out which type of loan best suits your needs can help you narrow down your search.


Shop with confidence

Unlike other lenders, Tiimely Home’s pre-approval gives you confidence in your borrowing power, because we verify your finances before you even find a property. And since we’ve done the finance assessment upfront, you can get full approval faster.​

Borrowing power

Get to know your borrowing power

Understand how much you can borrow by getting an estimate before you go house hunting.

Things to consider

Know your other costs

Know all of the costs involved in buying a home, and be prepared for government and third party fees.


There's more to love than just low rates

Our home loans are packed with all the essential features.


Tiimely own

Owner-occupied Principal & interest

5.94%p.a.Interest rate

5.95%p.a.Comparison rate

Backed and funded by Bendigo and Adelaide Bank

  • Secure, bank-backed offset

    We’ve partnered with one of Australia’s biggest banks to give you a 100% offset account that’s government-guaranteed.

  • Unlimited extra repayments

    Get unlimited extra repayments for variable loans and up to $20,000 per year for fixed home loans.

  • No hidden fees

    Our fees are simple and transparent, so you'll always know what to expect. $0 Upfront fees, $0 Monthly Fees (excludes offset), $0 Application Fee, $0 Annual Fees.

  • Fixed-rate with offset

    Unlike most other lenders, we offer a 100% offset account for both our fixed and variable home loans so you can save on interest.

  • Free redraws

    Make extra payments on your loan and reduce your interest, then easily access funds at a later date if you need cash.

  • Same low rate with a 10% deposit

    With Lenders' Mortgage Insurance (LMI), you can borrow up to 90% and get the same rate, no matter your LVR.

Our 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.

Borrowing calculator

See how much you could borrow

Run the numbers to get an upfront estimate of your borrowing power.

Step 1 of 3About your loan

Who is the loan for?
What is the purpose?

Step 2 of 3Your income

Your salary

Income before tax, and excluding super

Other income

E.g. commission, bonuses, rental

Step 3 of 3Your expenses

Living expenses (including rent)

E.g. groceries, petrol, bills, utilities or entertainment

Other home loan repayments

For any existing loans

Personal loan repayments

For personal or car loan repayments

Total of all your credit card limits including store cards

Tiimely own

You may be able to borrow up to


Just a note, this calculator doesn't consider HECS debts, which can impact your borrowing capacity. Keep this in mind when making your calculations. Minimum 10% deposit required. Below 20% deposit Lender’s Mortgage Insurance (LMI) is applicable. This estimate is for our Tiimely Own home loan, if you choose a home loan with one of our partner lenders, your borrowing capacity may vary based on your loan options. Learn more about how our calculator works below.

Ivy, Tiimely Home Team

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.

Want to know more about owner-occupied home loans?

Check out our frequently asked questions for our owner-occupied home loans

What is an owner-occupied home loan?

An owner-occupied home loan (or live-in home loan), is a home loan to purchase a property to live-in. This is different to an investment home loan which is for a property that will be used as an investment, not to live in.

Should your circumstances change, you can easily change your investment loan into an owner-occupied loan. Our team is available to help over LiveChat or on 1300 842 405.

What's the difference between an owner occupied property and an investment property

It’s simply the difference between whether you’re living in the property or not. If it’s where you are currently living, it’s considered owner-occupied, but if you’re intending to use your property as a source of income (through rental income or capital gains) and living in a different property it’s categorised as an investment.

How the property is used will determine what type of home loan you need (either owner-occupied or investment). Owner-occupied home loan rates tend to be lower than investment home loan rates.

Are owner occupied home loans cheaper?

Owner-occupied home loans tend to have lower interest rates than investment home loans because they’re generally seen as less risky than investor home loans.

Can I get an owner occupied loan for my investment property?

This is not possible. At the time of application, you’ll need to specify whether you’re planning to live in the property or not. If you’re planning to rent it out, you’ll need an investment home loan.
And if you decide to move into your investment property, you’ll need to change your investment home loan into an owner-occupied one.

Can I switch from an investment loan to owner-occupied?

If you’ve moved into your investment property you’re now considered an ‘owner-occupier’, so you’ll need to change to an owner-occupier home loan. If you’re already an existing customer, you can contact our post settlement team either by email or phone and we can help you switch over.

If you’re a new customer, you’ll need to refinance your home loan and apply for an owner-occupied home loan instead of an investment one.

Note: You don’t need to record your rental income for that property in the application.

How this borrowing calculator works

How do you calculate borrowing capacity

This borrowing calculator is a guide only, and gives you an estimate of how much you could borrow with Tiimely Home, based on the income and expenses you entered, our current Tiimely Own home loan interest rates and an assumed loan term of 30 years. It is not credit approval. You’ll still need at least a 10% deposit (and for deposits below 20% Lender’s Mortgage Insurance (LMI) is applicable).

We’re responsible lenders, so we calculate your borrowing power using the higher of your estimated expenses and your HEM (Household Expenditure Measure – an Australian average expenditure benchmark). Find out more about borrowing power.

You’ll get a qualified assessment when you begin an application, and enter the specifics of the property, your loan type, personal details and your financials. Find out more about our eligibility criteria here.

Important information about our borrowing calculator

There are a lot of different factors that go into calculating how much you can borrow for a home loan. We’ve designed our borrowing calculator to be a faster and simpler way to get an estimated answer. Every lender has their own way of calculating borrowing power so you might get different results with other home loan calculators. Our home loan borrowing calculator takes into account the type of loan you’re applying for, your income, and your expenses to give you an idea of how much you can expect to be able to borrow.

Legal information 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.

Tiimely FAQs and Guides
At Tiimely Home we are not financial advisers and recommend seeking independent financial and legal advice to check how the information we provide aligns with your individual circumstances.