Apply now

Flexibility meets stability


Want the certainty of fixed repayments and the options of variable? A split loan could give you both in one home loan.

Subject to credit assessment and approval. Fees and charges apply.

Book a call with a mortgage broker

Excellent • 4.4 out of 5 •
931 reviews
Hands holding up newspaper showcasing interest rates

Why Tiimely Home?

Our mortgage brokers will structure your loan and find the best lender to help you achieve your goals. They work for you, giving you the right mix of flexibility and certainty.

  • Book a call with a mortgage broker

    Our expert mortgage broker will ask you questions about your goals and your individual circumstance.

  • We give you options

    With 30+ panel lenders, we’re confident we can find the right fit for you. We’re with you throughout the whole process to answer questions.

  • Pick, finalise and celebrate

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

Splitting your loan can help you achieve your goals

Live in or investment loans

Get more control over repayments

Fixed rate portion: Repayments stay the same for a set time, regardless of rate changes.
Variable rate portion: Make unlimited extra repayments, use an offset account, and redraw when you need to.

You choose how much to fix and how much to keep variable.

Investment loans

Get a deposit for an investment property

Using available equity for an investment property deposit may be possible and can be structured using a loan split to keep borrowings separate. This can make loans easier to manage and track. Any use of equity is subject to available equity, serviceability and LVR limits. Fees may apply. This is general information only and not tax advice.

Our mortgage broker specialists

Our mortgage broker team combines deep lending and finance experience, with a genuine commitment to help you find the appropriate home loan.

They take the time to understand your goals and provide clear guidance so you can make confident, informed decisions throughout your home-buying journey.

Book time with a mortgage broker
Mortgage broker Sam

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 • 4.4 out of 5 •
931 reviews

Have questions? We have answers

Can I change my split later?

If you fix a portion of the funds, it is not recommended to change during this time as you may incur high fees for breaking the fixed term. However, after this time, depending on what you want to change, you may be able to do so without a full new application.


Do I need two separate applications?

No, you don’t. We can apply for split loans within one application so you only need to provide your information once. The loans will have separate loan numbers and separate repayments but with the same lender, so you can manage them in the same place.

Ready to explore split loans?

Book a call with a mortgage broker

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).