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 •
824 reviews

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.

  • 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 smiles

Hear from our +1000 Satisfied Home Loan Customers on Trustpilot.com

Excellent4.6 out of 5 •
824 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

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 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).

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

Industry standardTiimely Own home loan

Application fee

$0 to $600

$0

Monthly fee

$0 to $15

$0

Annual fee

$0 to $400

$0

Offset account fee

$0 to $10

or built into the interest rate

$10/month

(optional)

Online redraw fee

$0 to $10 per redraw

$0

Valuation fee

$0 to $350

$0

Settlement fee

$0 to $650

$0

Exit or discharge fee

$0 to $700

$325

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.

Cost

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.

Ivy, Tiimely Home Team

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.

Ready to start saving?

Apply today and start saving.

Legal information 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.