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Refinance to a better variable rate


Already have a home loan? You could refinance with fewer forms and lower repayments through our mortgage brokers.

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Excellent • 4.5 out of 5 •
914 reviews

Subject to credit assessment and approval. Key eligibility criteria include: home loan 12+ months old with good repayment history, clear credit history, LVR under 80%, new rate and repayments lower than current loan, Australian citizen or permanent resident, and employment requirements. Available for owner-occupier and investor loans, principal & interest. Maximum LVR 80% (rates vary by LVR - lower rates available for LVR <70%). Applications must be lodged and settled by 28 February 2026.

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How are our mortgage brokers different?

Our team are passionate about simplifying finance, leveraging their lender expertise and our efficient technology to streamline the loan process, ensuring efficient approvals and the best possible outcomes. We’re here to make it simple, transparent, and tailored to you.

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    Unlock lower rates

    Our mortgage brokers compare rates from multiple lenders to help unlock competitive options tailored to your circumstances

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    No commission, no bias

    Our brokers are paid a salary, not commissions, so their advice is driven by your needs, not incentives.

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    Expert service, no bots

    Whether you're after hands-on guidance, or a light touch, our friendly mortgage experts are ready to help. Backed by 8+ years and thousands of happy customers.

Book time with a mortgage broker

Our mortgage broker specialists

Tiimely Home’s mortgage broker team brings deep expertise and a genuine commitment to helping clients secure the right home loan. Our seasoned specialists have extensive backgrounds in lending, property finance, and tailored loan solutions. Their ability to connect with clients, uncover strong value options, and navigate complex lending scenarios has established a reputation for trust and reliability.

The team’s experience extends beyond lending alone - drawing on active involvement in the property market and a strong analytical approach, they offer insights that help clients make confident, well-informed decisions. Each member is dedicated to supporting borrowers throughout the entire journey, ensuring they feel guided and empowered at every stage.

Together, our professionals share a passion for simplifying finance. By combining their broad lender knowledge with efficient, modern technology, they streamline the loan process from application to approval, delivering smooth experiences and the most suitable outcome for every client.

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Real customers. Real stories. Real savings.

Don’t take our word for it. Read what real Australians say about their Tiimely Home experience on Trustpilot.com

Excellent • 4.5 out of 5 •
914 reviews

Important information about rates
*Tiimely Own products are subject to loan-to-value ratio (LVR) requirements, eligibility and credit criteria and terms and conditions. Rates apply to new Tiimely Home customers only and are subject to change without notice.

**The rates shown for products available from panel lenders via Tiimely Home brokers are current based on information from panel lenders and are subject to change without notice. The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product and the product may not include all the features relevant to you. All applications are subject to lender assessment and approval, and eligibility requirements and terms and conditions apply.

^The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a Tiimely Own loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years.

WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All interest rates are subject to change without notice.

Other important information
+Tiimely Home is known for its fast approvals for Tiimely Own products and responsive service, powered by our technology and supported by our team of experts. Application and approval times are estimates only and not guaranteed. Turnaround times are dependent on individual circumstances. Applications for a Tiimely Own loan may require an assessor to obtain more information. Assessment times for home loan applications made via Tiimely Home brokers are dependent on individual panel lenders.

The information provided does not constitute an offer of credit and does not take into account your objectives, financial situation or individual circumstances. We recommend seeking independent financial, taxation and legal advice to check how the information provided aligns with your individual circumstances.

Tiimely Home receives commissions from Tiimely Own loans and, where customers apply for a loan with the assistance of a Tiimely Home broker, from loans settled with panel lenders. Tiimely Home brokers do not receive individual commissions. More information about the credit services provided by Tiimely Home is available in the Tiimely Home Credit Guide (PDF) and Tiimely Home Broker Credit Guide (PDF).