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Join thousands of Australians and save on home loan repayments.

Excellent • 4.4 out of 5 •
930 reviews
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Basic 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
  • 20% deposit required
  • Unlimited additional repayments
  • Up to 30 years loan term
Rate shown requires LVR > 60% and ≤ 70%. Rate subject to loan-to-value ratio (LVR) requirements and other lending criteria. Please note that your comparison rate may change based on your product selection and if you add an offset account, your comparison rate will change.
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Backed and funded by Bendigo and Adelaide Bank

Tiimely own

Our customers left these lenders for a Tiimely Own home loan

The graph to the right shows the proportions of lenders that our customers have refinanced from between Jan 1st, 2025, to April 1st, 2025. We use actual encumbrance data in these calculations. This graph is updated quarterly and was last updated on April 1st, 2025.

Basic 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
  • Up to 30 years loan term
Rate shown requires LVR > 60% and ≤ 70%. Rate subject to loan-to-value ratio (LVR) requirements and other lending criteria. Please note that your comparison rate may change based on your product selection and if you add an offset account, your comparison rate will change.
Get started
Backed and funded by Bendigo and Adelaide Bank

Basic Fixed 2yr

Tiimely own

Investment•Principal & Interest

6.19%p.a.Interest rate

6.11%p.a.Comparison rate

  • No hidden fees
  • Free online redraw on any additional repayments
  • Up to 30 years loan term
Rate shown requires LVR > 60% and ≤ 70%. Rate subject to loan-to-value ratio (LVR) requirements and other lending criteria. Please note that your comparison rate may change based on your product selection and if you add an offset account, your comparison rate will change.
Get started
Backed and funded by Bendigo and Adelaide Bank

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.

  • 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.

Real stories, real savings

Hear from our satisfied Tiimely Home customers on Trustpilot.com

Excellent • 4.4 out of 5 •
930 reviews

Tiimely own

The different kinds of fees

IndustryTiimely Own home loan

Application fee

$0 to $600

$0

Monthly fee

$0 to $15

$15 (Applies to Offset Home Loan only)

Annual fee

$0 to $400

$0

Offset account fee

$0 to $10

or built into the interest rate

$0

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

$350

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.

Talk to a local home loan expert

Get in touch, 7 days a week

Tiimely Home staff image

We pride ourselves on our service. 90% of customer calls are answered within 20 seconds by our Australian-based team.

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HUNGRY FOR NUMBERS?

We have calculators

  • Repayment calculator

    Does your home loan fit within your budget? Find out what your repayments will be.

    Repayment calculator

  • Borrowing calculator

    Run the numbers to get an upfront estimate of your borrowing power.

    Borrowing calculator

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 to see if a Tiimely Own home loan is a good fit for you.

  • Apply online

    It can take just 15 minutes to apply. You'll get a decision promptly, and we'll get in touch if anything needs clarifying.

  • Sign and start saving

    If fully approved, your loan docs will be auto-generated and emailed to you. Then you're ready to celebrate.

Ready to start saving?

Apply today and start saving.

I'm ready, let's do it!

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).