Lock-in and relax for 2 years with $2000 cashback
Secure immediate savings on a low fixed rate. Available with 100% offset and as little as a 10% deposit.
Fixed 2 years
Tiimely own
Owner-occupied • Principal & interest
5.29%p.a.Interest rate
5.50%p.a.Comparison rate
- 5.54% roll-to rate after 2 years
- No hidden fees
- Free online redraw on any additional repayments
- $20,000 additional repayments limit per year
- 20% deposit required
- Up to 30 years loan term
Please note if you add an offset account, your comparison rate will change.
You can’t predict rates — but you can plan ahead
With the outlook still uncertain, waiting and watching can take its toll. If you're ready to move, lock in a competitive 2-year fixed rate — with the same great rate even if you have a low deposit — and get $2,000 cashback to ease the pressure from day one. T&C’s and eligibility criteria apply (see below).
Tiimely own
Our customers left these lenders to join Tiimely Home
The graph to the right shows the proportions of lenders Tiimely home customers have refinanced from, Jan 1st, 2025, to April 1st, 2025, and is updated quarterly. We use actual encumbrance data in these calculations. This graph was last updated on April 1st, 2025.
Here's why they switched
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.
Award-winning online home loans, to suit you
Apply for your home loan in 15 minutes.
Fixed 2 years
Tiimely own
Owner-occupied • Principal & interest
5.29%p.a.Interest rate
5.50%p.a.Comparison rate
- 5.54% roll-to rate after 2 years
- No hidden fees
- Free online redraw on any additional repayments
- $20,000 additional repayments limit per year
- 20% deposit required
- Up to 30 years loan term
Please note if you add an offset account, your comparison rate will change.
Variable
Tiimely own
Owner-occupied • Principal & interest
5.54%p.a.Interest rate
5.55%p.a.Comparison rate
- No hidden fees
- Free online redraw on any additional repayments
- 20% deposit required
- Unlimited additional repayments
- Up to 30 years loan term
Please note if you add an offset account, your comparison rate will change.
Fixed 2 years
Tiimely own
Investment • Principal & interest
5.49%p.a.Interest rate
5.78%p.a.Comparison rate
- 5.84% roll-to rate after 2 years
- No hidden fees
- Free online redraw on any additional repayments
- $20,000 additional repayments limit per year
- 20% deposit required
- Up to 30 years loan term
Please note if you add an offset account, your comparison rate will change.
Variable
Tiimely own
Investment • Principal & interest
5.84%p.a.Interest rate
5.85%p.a.Comparison rate
- No hidden fees
- Free online redraw on any additional repayments
- 20% deposit required
- Unlimited additional repayments
- Up to 30 years loan term
Please note if you add an offset account, your comparison rate will change.
Real stories, real smiles
Hear from our +1000 Satisfied Home Loan Customers on Trustpilot.com
Get a home loan in 3 easy steps
With a 15 minute online application and fast approvals, getting a home loan is easier than you think.
Check your eligibility
Answer a few questions to see if a Tiimely Own home loan is a good fit for you.
Apply online
It takes 15 minutes to apply. You'll get a decision in minutes or ASAP if we need to jump in manually.
Sign and start saving
If fully approved, your loan docs will be auto-generated and emailed to you. In most cases, within minutes. Then you're ready to celebrate.
Have a question? We have answers
Getting a home loan is an important decision, so it's natural to have questions.
Why are your rates so low? What’s the catch?
There is no catch, we just have a simpler, better way for customers to get a home loan.
Our Tiimely Home application is different to traditional applications. It’s not a manual form that you fill out digitally, but a live application that assesses your information and eligibility in real time.
It’s because of this efficiency in our process that we’re able to offer some of the best interest rates in the market.
Are you a bank?
No, we’re not a bank.
Tiimely is a platform technology company with an Australian Credit Licence (ACL) and Tiimely Home is our retail business.
We have our own no-frills home loan product, Tiimely Own, that we offer direct to customers. It benefits from our proprietary technology that creates efficiencies in the lending process, which means we can keep our costs low and pass these savings onto customers.
Tiimely Own home loans are funded by Bendigo and Adelaide Bank plus we also have a team of expert in-house brokers who can help you find a loan with one of our partner lenders if our Tiimely Own home loan isn’t right for you.
Can you get pre-approved for a home loan online?
Tiimely Own pre-approval is different to standard ‘pre-approval’. It assesses everything we can without knowing the final property you’ll be purchasing. Learn more about our pre-approval.
Is entering my online banking details safe?
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.
Am I eligible to apply for a Tiimely Own home loan?
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
What does it mean to be bank backed?
Is Tiimely Home a bank?
No, we’re not a bank. But we’re backed by a trusted bank.
So what does that mean?
Tiimely Home has the backing of Bendigo and Adelaide Bank; they fund our home loans, provide our offset facility and importantly, giving our customers the protections a bank has in the unlikely event of a finance crisis. Read our guide on the Financial Claims Scheme (FCS) and why it's important that our offset facility is covered under the FCS for up to $250,000.
Our agreement with them to fund our Tiimely Own home loans means that when you get a Tiimely Own home loan, any funds we loan you come from Bendigo and Adelaide Bank .
Our proprietary tech that powers our application process, is so efficient at assessing customers for a home loan, that it means we can offer customers bank-grade products but with low rates and no hidden fees.
Bendigo and Adelaide Bank has been our partner since our early days and continue to be an important shareholder and invested in our future.
Why does Tiimely Home need a bank partner?
Partnering with a bank enables us to:
- reduce our overhead costs and offer lower interest rates
- focus on tech innovation for the home loans industry
- combine the best features of a bank (like offering an offset facility) with the best features of a Fintech (100% online application).
HUNGRY FOR NUMBERS?
We have calculators
Borrowing calculator
Run the numbers before you get started, to get an upfront estimate of your borrowing power.
Refinance calculator
Not sure how your rates stack up? Find out how much you could save by refinancing.
Repayment calculator
Does your home loan fit within your budget? Find out what your repayments will be.
Tiimely own
The different kinds of fees
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.
Have questions about the cashback?
Cashback eligibility
Am I eligible for the cashback offer?
To be eligible for the cashback offer, you’ll need to meet the following terms and conditions:
- You apply for a new 2 yr Fixed Tiimely Own home loan between 18 June 2025 and 31 August 2025
- Applications for a Tiimely Own loan are subject to credit criteria and terms and conditions, fees and charges, and other eligibility criteria apply
- You must settle your home loan by 30 September 2025
- The loan amount you’re applying for must be $500,000 or greater
- You must be purchasing a property to owner occupy or as an investment property
- You are refinancing a home loan from another financial institution (i.e. not from Tiimely Home)
- The offer applies only to the Tiimely Own products noted above, and does not apply where a Tiimely Home broker customer applies for a loan with a panel lender
- You are not eligible for any other cashback from Tiimely Home
- The terms and conditions of this offer may change or be withdrawn without prior notice. Excludes refinance of existing Tiimely Own home loans.
- You must meet Tiimely Home's eligibility criteria
Can I get the cashback if I’m refinancing?
Yes, if you’re refinancing from another financial institution to a Tiimely Own home loan and you meet the terms and conditions outlined above, you can get the cashback.
Can I get the cashback if I’m refinancing an existing Tiimely Own home loan?
The cashback does not apply for refinancing an existing Tiimely Own home loan.
Can I get the cashback if I’m purchasing a new home?
Yes. If your property is eligible and you meet the other terms and conditions outlined above, you can get the cashback. Find out more about our eligibility criteria.
Can I get the cashback if I’m purchasing an investment property?
Yes, you can get the cashback if you’re purchasing an eligible investment property, and meet the terms and conditions outlined above. Find out more about our eligibility criteria.
Is my property eligible?
We’ve outlined our eligibility criteria, or you can enter your address on the first page of our application to see if it’s eligible.
Your loan amount needs to be $500K or higher, and you need to meet the Cashback eligibility too.
Can my partner and I both get the cashback?
The cashback promotion applies to each loan application, not to each individual loan applicant.
Will I get the cashback?
I’ve already applied, do I still get the cashback?
We’re really sorry but our promotional period is only valid for eligible applications submitted between 18 June 2025 to 31 August 2025.
I’m waiting for settlement, do I get the cashback?
We’re really sorry but our promotional period is only valid for eligible applications submitted between 18 June 2025 to 31 August 2025.
My home loan just settled, can I get the cashback?
We’re really sorry but our promotional period is only valid for eligible applications submitted between 18 June 2025 to 31 August 2025.
Can existing customers get the cashback offer?
Existing customers are eligible for the cashback if they’re applying for a brand new home loan + property within the promotional period (i.e. you cannot refinance an existing Tiimely Own home loan).
What if my application expires before the end of the promotion?
To be eligible for the cashback you need to have submitted your application by 31 August 2025 and settle prior to 30 September 2025. If you begin a new loan application outside of the promotion period, you will not be eligible for the cashback.
If I have multiple home loans will I get the cashback for all of them?
If you have applied for multiple 2 yr fixed home loans during the promotional period and they all settle by 30 September 2025 then you will be eligible for a cashback on each loan.
When do I have to apply to get the cashback?
The promotion period starts on 18 June 2025 and ends on 31 August 2025 and your loan must settle by 30th September. (offer subject to termination or change without prior notice).
- To be eligible for a cashback, your bank account details must be received by Tiimely Home within 30 days of settlement
- The Cashback will be credited to your nominated bank account (with the same name as the applicant (s) within 45 days of settlement - subject to prior and timely receipt of bank account details.
- Any cashbacks not received due to incorrect account information provided by an applicant will not be compensated or re-issued.
How will I get the cashback?
How will I get the cash?
We will be in touch when your loan has settled to collect your bank account details. Subject to prior and timely receipt of bank account details, we’ll transfer your $2,000 cashback into your nominated bank account in the same name of the applicant (s) within 45 days of settlement.
-To be eligible for a cashback, your bank account details must be received by Tiimely Home within 30 days of settlement
-Any cashbacks not received due to incorrect account information provided by an applicant will not be compensated or re-issued.
When will I get the cash?
You’ll receive the $2,000 cashback within 45 days of settlement.
How long is the offer going for?
The promotion period will run for from 18 June 2025 to 31 August 2025 and your loan must settle by 30th September. (offer subject to termination or change without prior notice).
To be eligible for a cashback, your bank account details must be received by Tiimely Home within 30 days of settlement
How many times can I get the cashback offer?
You can receive the cashback for each eligible loan application within the promotional period.
How long do I have to stay with Tiimely Home?
As it is a 2 year fixed loan the minimum is 2 years. If you choose to refinance or pay out your loan before the expiry of the 2 year period you will be charged break costs and discharge fees.
Disclaimer
Tiimely Home 2 yr Fixed Cashback Campaign Terms and Conditions
- Apply and be approved for a loan during promotion period 18 June 2025 and 31 August 2025 (‘promotional period’) and settle by 30 September 2025 to receive $2,000 cashback.
- Applications for a Tiimely Own home loan are subject to credit criteria and terms and conditions, fees and charges, and other eligibility criteria apply
- Offer is available to eligible Owner Occupied and Investment customers purchasing a property or refinancing from another financial institution.
- Minimum loan amount $500K.
- This offer is only available per loan (not per applicant).
- Cashback will be credited to your nominated bank account (with the same name as the applicant (s) within 45 days of settlement - subject to prior and timely receipt of bank account details.
- To be eligible for a cashback, your bank account details must be received by Tiimely Home within 30 days of settlement
- Any cashbacks not received due to incorrect account information provided by an applicant will not be compensated or re-issued.
- The terms and conditions of this offer may change or be withdrawn without prior notice. Excludes refinance of existing Tiimely Own home loans.