The simpler digital home loan
We made a home loan with everything you need and nothing more.
Enjoy fast assessment^, a seamless digital application and Livechat with real humans on the other end.
Basic Variable
Tiimely own
5.79%p.a.Interest rate
5.80%p.a.Comparison rate
- No hidden fees
- Free online redraw on any additional repayments
- 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
Basic Variable
Tiimely own
5.79%p.a.Interest rate
5.80%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
5.78%p.a.Interest rate
5.79%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 customers, real savings
See what satisfied Tiimely Home customers say about us 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 a non-bank lender. Our home loans and offset accounts are funded and administered by Bendigo and Adelaide Bank. This means deposits held in your offset account are protected by the Australian Government’s Financial Claims Scheme (FCS) up to $250,000 per account holder, per ADI (including any other eligible deposits you hold with Bendigo and Adelaide Bank under the same licence). Read our guide on the Financial Claims Scheme (FCS) and why it's important.
Any funds we loan you come from Bendigo and Adelaide Bank, who have been our partner since we processed our first home loan 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 a guaranteed offset facility) with the best features of a Fintech (100% online application)
Low rates, no surprises: Here’s how we do it
Our Tiimely Home application isn't just a digital form. It's a secure, intelligent platform that assesses your eligibility in real time, meaning less back-and-forth than the traditional home loan process. This speed and efficiency lets us offer highly competitive rates.
Can I apply for a Tiimely Own home loan?
You can find out by checking against the eligibility criteria, which consider a range of factors including property (value, location, type), your deposit, employment history and type, and identity (government ID and citizenship).