First home buyers get our lowest rate with only 10% deposit
Why wait years to save 20%? Get into your first home now with just 10% deposit and still enjoy our best rate.
Variable
Tiimely own
Owner-occupied • Principal & interest
5.79%p.a.Interest rate
5.80%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
Please note if you add an offset account, your comparison rate will change.
Why first home buyers choose us
Low rates
Small deposit, best rate
We believe first-time buyers deserve the best rates whether they have 10% or 20% saved. Get into your home faster without rate penalties.
Competitve market rates
Other lenders just can't compete
We’ve built a better way to get a home loan. Our tech cuts time and cost from the process, so we can pass savings onto our customers. We keep our rates low, with no sneaky ‘catch’.
Pre-approval
Weekend viewing, monday approval
Our pre-approval isn't just fast - it's thorough. Tiimely Home examines your entire financial situation upfront, not just basic details like other lenders. This gives you genuine confidence in knowing exactly what you can borrow.
Only with Tiimely Home
Broker expertise, digital savings
Getting your first home can feel overwhelming. With Tiimely Home you don't have to choose between a broker and our low digital rate - you can get the best of both. Access to expert support while still securing our lowest rate.
Savings
The real impact of a lower rate
Savings are estimates only. Tiimely Own owner-occupied variable interest rates against outstanding owner-occupied variable rates for institutions as provided by APRA, RBA. Product features may differ across products. Rate comparisons exclude any costs and fees. Every borrower’s situation is different. Data is accurate as of 27-Mar-2025.
Real stories, real savings
Hear from our satisfied Tiimely Home customers (formerly Tic:Toc) on Trustpilot.com
Variable
Tiimely own
Owner-occupied • Principal & interest
5.79%p.a.Interest rate
5.80%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
Please note if you add an offset account, your comparison rate will change.
Fixed 2 years
Tiimely own
Owner-occupied • Principal & interest
5.74%p.a.Interest rate
5.83%p.a.Comparison rate
- Offset account optional for $10/month
- 5.84% roll-to rate after 2 years
- 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
Please note if you add an offset account, your comparison rate will change.
Variable
Tiimely own
Investment • Principal & interest
6.09%p.a.Interest rate
6.10%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
Please note if you add an offset account, your comparison rate will change.
Fixed 2 years
Tiimely own
Investment • Principal & interest
5.94%p.a.Interest rate
6.07%p.a.Comparison rate
- Offset account optional for $10/month
- 6.09% roll-to rate after 2 years
- 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
Please note if you add an offset account, your comparison rate will change.
There's more to love than just low rates
Our award-winning home loans are packed with all the essential features.
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.
Refinance & purchase
Whether you're looking for your first home, or want to refinance we have a home loan that will suit you.
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.
Tiimely own
The different kinds of fees
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.
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.
Don't miss out on savings, apply in minutes
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.
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 questions? We have answers
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 accounts 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 accounts are 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 we get market-leading pricing on the bank funds. This 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 account) with the best features of a Fintech (100% online application).
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.
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