buying a home
We offer great rates, so you can get the better place
Low-stress home loans with easy online approvals.
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.
Conditional Approval
Shop for your home with confidence
Tiimely Home’s conditional approval is more than just pre-approval. It 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 legwork 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
Get the skinny on the costs involved in buying a home, and be prepared for government and third party fees.
TIIMELY OWN
There's more to love than just low rates
Our home loans are packed with all the essential features.
Variable
Tiimely own
Owner-occupied • Principal & interest
5.94%p.a.Interest rate
5.95%p.a.Comparison rate
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. Don't wait years for a discount.
Tiimely 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.
Borrowing calculator
See how much you could borrow
Run the numbers to get an upfront estimate of your borrowing power.
Tiimely own
You may be able to borrow up to
$000,000
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.
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.
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?
What does owner occupied mean? An owner-occupied home loan (or live-in home loan), is a home loan you can get to purchase a property you want to live-in. This is different to an investment home loan which is a loan you get for a property you are using as an investment, and aren’t living in. With that being said, you can easily change your investment loan into a owner-occupied loan if your circumstances change.
What's the difference between an owner occupied property and an investment property
As you’d expect from their names, the difference between an owner-occupied property and an investment property is whether or not you’re living in it. If you’re living in the property it’s considered an owner-occupied property, 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 an investment property. The type of property you have 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 do generally have lower interest rates than investment home loans. This is because owner-occupied home loans are generally seen as less risky than investor home loans.
Can I get an owner occupied loan for my investment property?
You can’t get an owner-occupied loan for an investment property. You’ll need to specify in your loan application if you’re planning to live in the property you’re taking a loan out against. If you’re not going to be living in the property, you’ll need to get an investment home loan. Likewise, if you plan to move into your investment property you can turn your investment home loan into an owner-occupied home loan.
Switching your investment loan to owner-occupied?
If you’ve moved into your investment property and become an owner-occupier, you’ll need an owner-occupier home loan. If you’re already an existing customer you’ll need to contact our post settlement team either by email or phone.
And if you’re a new customer, you’ll need to refinance your home loan but you’ll be applying for an owner-occupied home loan instead of an investment. You also 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.