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 is easier than you think.
Variable
Tiimely own
5.20%p.a.Interest rate
5.21%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
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.
Here's why they switched
Fast settlement
Enjoy low rates, faster
Get approved faster for your Tiimely Own home loan. Our record for assessing and approving a home loan - with a contract – is less than 58 minutes from the time of application.
Tiimely own
Others 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’.
100% offset
Features you need, at a better rate
Get big-bank quality products with lower rates. Tiimely Own home loans have a 100% offset facility (even on fixed rates) or fee-free redraw.
Tiimely own
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.
Refinance your home today
With interest rates from
Variable
Tiimely own
5.20%p.a.Interest rate
5.21%p.a.Comparison rate
- No hidden fees
- Free online redraw on any additional repayments
- Up to 30 years loan term
Fixed 2 Years
Tiimely own
5.29%p.a.Interest rate
5.22%p.a.Comparison rate
- No hidden fees
- Free online redraw on any additional repayments
- Up to 30 years loan term
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 facility 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 facility for both our fixed and variable home loans, and you can link up to six offset accounts to your loan, 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. Get's you into your home faster.
Real stories, real savings
Hear from our satisfied Tiimely Home customers on Trustpilot.com
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.
Talk to a local home loan expert
Get in touch, 7 days a week
We pride ourselves on our service. 90% of customer calls are answered within 20 seconds by our Australian-based team.
HUNGRY FOR NUMBERS?
We have calculators
Don't miss out on savings, apply in minutes
Apply online
It takes around 15 mins to apply. You'll get a decision in minutes or ASAP if we need a bit more info.
Break up with your lender
We'll take care of the paperwork and submit discharge forms to your lender.
Happy settlement day
We'll pay out your existing loan and set up your new accounts. Enjoy your savings.
Have questions? We have answers
What It Means to Be Backed by a Bank
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 facility 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 facility is 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 it 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 facility) with the best features of a Fintech (100% online application).
Low Rates, No Surprises: Here’s How We Do It
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.
Can I 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