Buying a home
Found your first place? Buying your next home? Embarking on a renovation, or constructing your dream house? Buying is exciting and potentially stressful. We'll support you with a simple process ensuring a smooth, stress-free experience.
Refinancing your home loan
Finding a lower rate and better, or additional home loan features are just some of the reasons to explore refinancing. Making sure your loan still supports your current situation and ensuring you get the maximum benefit from your loan.
Investing in property
Rentvesting? Building a real estate portfolio? Looking to buy your first investment property? You need a savvy broker to help support your investment goals and navigate potential complex financials.
TIIMELY HOME BROKERS
Meet the team
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.
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.
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.
How is a Tiimely Home broker different?
Unlock lower rates
Our brokers work smarter to find you the best deal from top lenders, plus exclusive home loans that you won’t find anywhere else. Award-winning service and rates starting at 5.69%.
AI-powered
Our world-first tech means we're more responsive, so you'll get your home loan approval, faster.
No commission, no bias
Our brokers don’t earn commissions, so their only incentive is getting you the best home loan.
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.
A selection from our panel of lenders
How we can help
Types of home loans we can find for you
Cash backs and exclusive deals
Specific lenders may have ‘specials’ available, including cash backs, fee reductions or waivers or loyalty offers.
Flexible deposit options
Deposits starting at 2%. (But budget for at least 10% of the property value to cover government and third-party fees).
Split loans
Split your loan with different interest rates (e.g. fixed and variable).
Guarantor loans
Get into the property market sooner without a 20% deposit and avoid paying Lenders’ Mortgage Insurance.
Construction & bridging loans
Build your dream home or buy a new property before selling your old one with a construction or bridging loan.
Cross collateralisation
Leverage your equity and increase borrowing power by securing your loan against multiple properties.
Debt consolidation
Consolidate your debt into a single loan with a low home loan interest rate.
Property and location
Broader property eligibility, including regional and rural locations; land; off the plan, or small sqm (e.g. less than 50sqm).
Real stories, real savings
Hear from our satisfied Tiimely Home customers (formerly Tic:Toc) on Trustpilot.com
FREQUENTLY ASKED QUESTIONS
Have questions? We have answers
Getting a home loan is an important decision, so it's natural to have questions.
What's the difference between a Tiimely Own home loan and home loan via our brokers?
Tiimely Own is the smart choice for a low-rate loan with fast approval, but it’s not for everyone. Our brokers support complex situations and loan features such as split loans, guarantor loans, and construction loans.
Tiimely Own home
Your Tiimely Own home home loan is funded by Bendigo and Adelaide Bank. You must meet the Tiimely Own home loan eligibility criteria, which includes postcode and property eligibility (i.e. capital, metropolitan and major regional only for owner-occupied and investment purposes), and be borrowing up to 90% (for customers who have less than 20% deposit, you’ll need LMI).
Our Tiimely Home brokers
Your loan will be funded by one of our 30+ panel lenders. This may allow you to unlock additional loan features that better suit your financial situation (i.e. split loan facilities, guarantor loans, land and construction). You can borrow up to 98% (including LMI, which usually applies for customers who have less than 20% deposit) and depending on your loan amount, there may be more flexibility (borrowing more than $2M-$3M).
What remains the same across both?
Regardless of which lender provides your home loan, you’ll have access to the same superior service we’re famous for.
Why can't I get the same deal with a Tiimely Own home loan?
We know that not everyone will be suitable for a Tiimely Own home loan.
For example, if you have a complex situation such as a split loan, guarantor loan, or construction loan, plus, each lender has different eligibility criteria.
If you are not approved for a Tiimely Own home loan, you’ll have the option to use our brokers where you'll receive expert guidance from our team.
We'll check in with you beforehand to get your permission, then give your details to our broker team. They'll then work with you to match your application against our panel of 30+ lenders and 1000’s of home loan options with the information you've already provided.
Learn more about our Tiimely Home brokers.
Do I need to fill in my details again to be eligible for a loan via a Tiimely Home broker?
No. Once we have your consent, we’ll apply the same information you’ve already provided to progress your application.
Our brokers have access to a panel of 30+ lenders, offering 1000s of home loan products which may allow you to unlock additional loan features that better suit your situation, including guarantor loans, land and construction, and split loan facilities.
Plus, you’ll have access to the same superior customer service we’re known for and together with our experienced Home Loan Specialists and Broker teams, who all work together in our Adelaide-based HQ.
Note: Our brokers are salaried home loan experts which means they don’t get paid commissions, so they’re not incentivised to stretch your budget. This means you can rest assured that the home loan options they share with you, align with your home loan requirements.
Tiimely Home may receive a fee or commission from a panel lender - for more information see our credit guide.
How much extra will I need to pay for a Tiimely Home broker?
We don’t charge any fees to use our brokers, nor do our expert brokers work on commission. Tiimely Home may receive fees, commissions or financial rewards from lenders we are accredited with but these fees are not payable by you.
Note: Third-party and government fees, like title fees and stamp duty are unavoidable and some lenders may charge fees (for example, application fees) but we’ll let you know if this applies to any loan options we find for you.
For more information see our credit guide.
Who will my loan be with if I use a Tiimely Home broker?
Tiimely Home brokers have access to a curated list of home loan products so you’ll not only be getting a great rate, but have the assurance of a reputable lender.
We’ve made sure to partner with lenders that we believe can offer great products and of course, we are always here if you need support.
How are Tiimely Home brokers different from other online brokers?
At Tiimely Home, our proprietary technology gives you the freedom to apply online for a home loan anytime, anywhere and our online application will take you about 15 minutes to complete, which is a very different experience to applying through a bank or other brokers.
We’re the only online home loan lender that built their own tech and it sets us apart from our competitors. In fact, it’s so effective that other lenders, including two of Australia’s biggest banks, license it for their own use.
We have a panel of 30+ lenders, offering 1000s of home loan products which may allow you to unlock additional loan features that better suit your situation, including guarantor loans, land and construction, and split loan facilities.
You’ll have access to the same superior customer service we’re known for and together with our experienced Home Loan Specialists and Broker teams, who all work together in our Adelaide-based HQ.
Plus, our brokers are salaried home loan experts which means they don’t get paid commissions, so they’re not incentivised to stretch your budget. This means you can rest assured that the home loan options they share with you, align with your home loan requirements.
Read more in our credit guide.
How many options will I have with a Tiimely Home broker?
It depends on your circumstances.
With our brokers, you’ll be able to access 1000s of products across 30+ lenders and our tech, together with our expert team will curate a selection personalised to your situation. Plus, we’ll step you through the process and make sure you’re getting the best value home loan.
Can I apply for any type of loan online?
At Tiimely Home, our home loans are exclusive to us and only available online. Applying is quick and simple, however to make the application process smoother, you can to check your eligibility before you start.
If you answer yes to the eligibility questions, you’ll be able to apply for a Tiimely Own home loan. However, if you are not eligible, we’ll still be able to help find you a home loan via our Tiimely Home brokers.
These questions can help get you started:
- Are you buying or refinancing an established property (not off-the-plan or under construction)?
- Is the property in a capital city or major regional centre?
- Do you want to borrow at least $150k (and no more than $3m)? If borrowing more than $2m, do you have at least a 25% deposit?
- Do you have at least a 10% deposit or equity, plus savings to cover fees and charges such as stamp duty?
- Are you currently employed (either on a salary or self-employed)?
- Do you have at least one form of government ID, such as a passport, An Australian driver’s licence or Medicare card?
- Are you an Australian citizen or permanent resident who lives in Australia?
Want to learn more about the home loans we offer? Check out our home loans page.
Still have questions? Check our FAQs or speak to our Home Loan Specialists via . They’re home loan experts, local, and available now.
Disclaimer
Tiimely Home does not provide financial or investment advice. This material does not take account of your objectives, financial circumstances or needs. Tiimely Home recommends that you seek independent financial, legal and taxation advice before making an investment decision.
IMPORTANT INFORMATION: Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during th fixed rate period.