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Offset Home Loan INV IO FIXED 1 Year Fixed 60_70_LVR

Tiimely own

InvestmentInterest Only

5.84%p.a.Interest rate

5.78%p.a.Comparison rate

  • No hidden fees
  • Free online redraw on any additional repayments
  • Unlimited additional repayments
  • Up to 30 years loan term
Rate shown requires LVR > 60% and ≤ 70%. Lending criteria, Comparison Rate warning and terms and conditions apply. 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.
Backed and funded by Bendigo and Adelaide Bank

Property usage
Rate type
Repayment type

Variable

Tiimely own

5.54%p.a.Interest rate

5.55%p.a.Comparison rate

Estimated monthly repayments

$3,592

Total loan repayments

$1,293,443

Total interest charged

$663,443

Step 1 of 3About your loan


Who is the loan for?
What is the purpose?

Step 2 of 3Your income


Your salary

Income before tax, and excluding super

Other income

E.g. commission, bonuses, rental

Step 3 of 3Your expenses


Living expenses (including rent)

E.g. groceries, petrol, bills, utilities or entertainment

Other home loan repayments

For any existing loans

Personal loan repayments

For personal or car loan repayments

Total of all your credit card limits including store cards

Tiimely own

You may be able to borrow up to

$000,000


Property usage
Are you a first home buyer?
Is this a new property?

Your estimated upfront costs

$1,569

  • Concession-$21,529

    First home buyer duty exemption

    -$21,529

    A state government exemption from paying transfer (stamp) duty. This means you don’t pay anything.

    Learn More
  • Stamp duty$21,529

    Transfer duty (stamp duty)

    $21,529

    A State Government tax based on the purchase price of the property.

    Learn More
  • Conveyancing & transfers$1,569

    Conveyancing

    $1,200

    Conveyancing is the legal process of transferring the title of a property from one person to another (from the seller’s name to the buyer’s name).

    Learn More

    Mortgage registration fee

    $176

    A State Government fee to officially register a lenders’ mortgage on your property.

    Learn More

    Transfer fee

    $176

    A State Government fee to transfer land from one owner to another.

    Learn More

    Title search fee

    $18

    A State Government fee to search for a property title.

    Learn More


Property usage
Rate type
Repayment type

Variable

Tiimely own

5.54%p.a.Interest rate

5.55%p.a.Comparison rate

Estimated monthly repayments

$3,592

Total loan repayments

$1,293,443

Total interest charged

$663,443

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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).