Fast track your home loan savings in 15 minutes

Skip the bank queues. With Tiimely Home Loans you can apply online, and get your application assessed in a day. Saving on your home loan is easier than you think.

Excellent4.6 out of 5 •
803 reviews


Tiimely own

Owner-occupied Principal & interest

5.94%p.a.Interest rate

5.95%p.a.Comparison rate

  • No hidden fees
  • Free online redraw on any additional repayments
  • Offset account optional for $10/month
  • Fast approval with Tiimely Turnaround™
  • Only 10% deposit required
  • Unlimited additional repayments
  • Up to 30 years loan term

Backed and funded by Bendigo and Adelaide Bank
  • 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.

Choose product type
  • Variable

    Tiimely own

    Owner-occupied Principal & interest

    5.94%p.a.Interest rate

    5.95%p.a.Comparison rate

    • No hidden fees
    • Free online redraw on any additional repayments
    • Offset account optional for $10/month
    • Fast approval with Tiimely Turnaround™
    • Only 10% deposit required
    • Unlimited additional repayments
    • Up to 30 years loan term

    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change.

  • Fixed 1 year

    Tiimely own

    Owner-occupied Principal & interest

    6.14%p.a.Interest rate

    6.01%p.a.Comparison rate

    • Offset account optional for $10/month
    • 5.99% roll-to-rate after 1 year
    • Fast approval with Tiimely Turnaround™
    • No hidden fees
    • Free online redraw on any additional repayments
    • $20,000 additional repayments limit per year
    • Only 10% deposit required
    • Up to 30 years loan term

    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change.

Real stories, real savings

Hear from our satisfied Tiimely Home customers (formerly Tic:Toc) on

Excellent4.6 out of 5 •
803 reviews

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 here to see if Tiimely Home 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 hit a manual snag.

  • Sign, smirk and save

    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

An online home loan is still a recent innovation. It's natural to have questions.

Why are your rates so low? What’s the catch?

The short answer: We use technology to make old processes faster and eliminate overhead costs in the process. We don’t just collect your application details in a digital form. We assess and verify your information in real-time, as you fill it in. Our efficiencies cut time and cost from the process, and we pass this saving on to our customers. There’s no ‘catch’ — we’ve just invented a new, better way to get a home loan.

Are you a bank?

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, that means we can keep our costs low which means your savings are higher. Tiimely Own home loans are funded by Bendigo and Adelaide Bank. We also have an in-house broker team who can help you find a loan if the Tiimely Own home isn’t for you.

Can you get pre approved for a home loan online?

We offer a form of conditional approval, where we assess everything we can without knowing the final property you’ll be purchasing. Learn more about conditional approval subject to property.

Is entering my online banking details safe?

Your banking login details are requested for one sole purpose: to retrieve read-only copies of your transaction history, direct from your banking sites.

It is impossible for Tiimely Home to transfer, move or do anything else with your bank accounts aside from receiving a copy of your transactions and loan statuses. We only see the information we need to approve your loan application – the same information you would supply us if you were submitting the documents manually (once you find them, print them, scan them, email them). It’s just much faster this way.

We think our way of 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. Your password isn’t retained. It’s encrypted and hashed 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 they’re the best in the business, and they’ve been at the forefront of financial technology security for over 20 years.

We know it sounds strange asking for your banking login details, but rest assured that nobody (not even Yodlee) sees 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. Once your financial validation has been completed they are completely obliterated, never to be seen again.

Don't want to enter your bank details? That's okay too.

You can simply upload copies of your transaction statements and any other documents we may need to verify your financial position. Just be aware that this will mean a Tiimely Home team member will be required to review them, so the application process will take a little longer.

If you'd like more detail about how you can read more on our security page.

Am I eligible to apply for a Tiimely Own home loan?

Our eligibility criteria looks across a range of factors including:

  • Property: value, location, and type
  • Your contributions (aka deposit or equity amount)
  • Employment: current and previous history, and type
  • Identity: forms of government ID, and citizenship

Check our eligibility page to see if a Tiimely Own home loan, or a loan via our in-house broker service is best for you.

What does it mean to be bank backed?

Is Tiimely Home a bank?

No, we’re not a bank. But we’re bank-backed.

So what does it mean to be bank-backed?

Tiimely Home has the backing of Bendigo and Adelaide Bank, and they help us out in a few ways, like funding our home loans, providing our offset accounts and importantly, giving our customers the protections a bank has in the unlikely event something goes bad. Read more on the Financial Claims Scheme (FCS) and why it’s important our offset accounts are covered under the FCS.

More than that, we have an agreement with them to fund our Tiimely Own home loans. This means when you get a Tiimely Own home loan, any funds we loan you come from the Bank. Because our tech is so efficient at assessing customers for a home loan, we get market-leading pricing on those funds, which means we can offer customers bank-grade products but with really low rates and no fees. It’s a no-brainer.

Us and the bank? We go way back. As an initial funder in our early days, Bendigo and Adelaide Bank continue to be an important shareholder, too. They’re invested in our future.

All of this means you’re still a Tiimely Home customer, though.

What’s in it for Tiimely Home?

Partnering with a bank enables us to:

  • reduce our overhead costs and offer lower interest rates
  • focus on being a tech company to innovate in the home loans industry
  • combine the best features of a bank (like offering a real offset account) with the best features of a Fintech (like applying 100% online).


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

Industry standardTiimely Own home loan

Application fee

$0 to $600


Monthly fee

$0 to $15


Annual fee

$0 to $400


Offset account fee

$0 to $10

or built into the interest rate



Online redraw fee

$0 to $10 per redraw


Valuation fee

$0 to $350


Settlement fee

$0 to $650

Exit or discharge fee

$0 to $700


Government fees and charges

No matter what home loan is right for you, be aware of the government fees and charges that may apply during the process.


Refinance costs

These vary by state, but include title registration, and title search fees.

Around $140 - $300

Buying costs

These vary by state, but include stamp duty, title and mortgage registration, and title search fees. You may also need to cover the costs of a solicitor or conveyancer.

Dependent on your property value and which state you're in, but can be thousands. Solicitor/Conveyancer costs can be up to $2,200.

Tiimely Home Team

Local experts

Chat to a home loan expert

We pride ourselves on offering smart and fast service. 90% of our calls are answered within 20 seconds by the team in our Australian-based headquarters.

Ready to start saving?

Apply today and start saving.

Legal things about our rates
Our home loans are subject to credit criteria and eligibility requirements. Home loan interest rates are for new customers only and can change. Our comparison rates are based on a $150,000 loan amount over a 25 year term. They factor in fees associated with applying for the loan; ongoing fees and fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one 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.

Tiimely Turnaround
^Our turnaround times are up to 2x faster than the industry, based on a comparison of our average platform submit to approval time compared to industry submit to approval time, published here  (June 2023). Customer turnaround times are dependent on individual circumstances and may require an assessor to obtain more information.

Our trade mark
Tiimely is a registered trademark of Tiimely Pty Ltd.