Refinance to a better variable rate.


Already have a home loan? You could refinance with fewer forms and lower repayments through our mortgage brokers. If you have had your home loan for more than 12 months, and have a good repayment history, you could be eligible for a better rate.

Max LVR: <80%. Rate shown requires <70%LVR. Available for Owner/occupier and investor loans, P&I. Other eligibility criteria apply. Applications must be lodged and settled by 31 December 2025.

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Excellent • 4.7 out of 5 •
901 reviews
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How our mortgage brokers are 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 work smarter to find you the best deal from top lenders, plus exclusive home loans that you won’t find anywhere else.

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    No commission, no bias

    Our mortgage brokers don’t earn commissions, so their only incentive is getting you the best home loan.

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    Expert service, no bots

    No robo-advice. Just real experts to guide you with as much (or little) support as you want. We're proud of our 8+ years, and thousands of happy customers.

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Meet the team

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Veronica Foreman

Veronica (Ronnie) is a specialist broker, with 17 years industry experience. Ronnie’s ability to connect with people, her knowledge in home loans and tenacity to find the best value for her customer has built her a trusted reputation.

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Sam Kapoor

Sam has 16 years finance experience, specialising in home loans and tailored lending solutions. An active property investor, Sam understands the the real estate market, which benefits his customers in financing their property goals.

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Darlene Xerri

Darlene is a dedicated para-broker with a sharp analytical mind and a passion for helping people navigate their home lending journey. Her care and enthusiasm ensure customers feel well supported alongside our brokers while finding the right loan.

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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 • 4.7 out of 5 •
901 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.

^Comparison rates are based on a loan amount of $150,000 over a 25-year term. They factor in fees associated with applying for the loan, ongoing fees and fees associated with leaving the loan. Tiimely Own fixed loans roll to a variable principal and interest rate at the end of the specified fixed term. If the interest only period is not specified, the comparison rate is calculated on a 5-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.

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).