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You can easily find out by checking against our eligibility criteria. These consider a range of factors including:

• Property: value, location, and type
• Your contributions (deposit or equity amount)
• Employment: current and previous history, and type
• Identity: forms of government ID, and citizenship

There are typically costs associated with a home loan. These can include application fees, valuation fee and establishment fees when applying and discharge fees when you exit.

Our fees are simple and we’re transparent with how they relate to your home loan, so you'll always know what to expect.

Unfortunately, interest rates don’t work that way. But when you get a Tiimely Own home loan, you will always have a highly competitive rate. That’s because we’ve locked in a ‘price’ with our funder (Bendigo and Adelaide Bank) for that loan, reflected in your interest rate.

When we have a new variable rate for new customers, we’ve been able to lock in a lower price with our funder, however it doesn’t change the price we secured for your loan.
Having a lower rate for new customers doesn’t mean our loyal customers are paying for the discount, it means that our funder has been able to give us a better price at that specific time. We’re constantly working with our funder to secure the best price, and that won’t change.

At some point, our funder may actually increase the price they’ve agreed with us, increasing rates for new customers which means some existing customers will actually be better off.
New rate offers work differently to changes in the cash rate. If the RBA cut the cash rate and our funder’s costs ease, they may be able to pass on the cut which means all our customers will receive the same discount off their rate – both new and existing.

All of our rates are highly competitive because our tech-driven assessment process creates efficiencies that we pass on to our customers. And even if your rates are higher than the new headline rate, you’ll still be saving thousands, compared to the average home loan.

We operate Australia-wide.

For a Tiimely Own home loan, we're restricted to lending against properties in Australian capital cities and major regional centres. However, for a loan via our in-house broker service, our panel of lenders have options that extend throughout Australia.

We believe digitally validating your financials is far safer than sending financial statements via email.

When you enter your online banking details, no human will ever see your credentials. We don’t keep your password. It’s encrypted and de-identified all the way back through the hardware.

Your data is secured by our world-leading encrypted technology partner, Envestnet Yodlee (Yodlee). We chose them because of their superior reputation, having been at the forefront of financial technology security for over 20 years.

We understand it sounds strange to ask for your bank login details, but nobody (not even Yodlee) will see them. As soon as your details have been entered and validated in the approval stage of your home loan application, they are encrypted, separated, and securely stored. And once your financial validation has been completed, they are completely erased.

What if I don't want to enter my bank details?

There is a manual way, however it will slow down the process.

Simply upload copies of your transaction statements and any other documents we need to verify your financial position. This option means a Tiimely Home team member will be required to review them, so your application will take a little longer to assess.

If you'd like more details, you can find them on our security page.