Looking for something different?

Our Tiimely Home brokers will find the best home loan for you, no matter what your situation; low deposit, split loan, construction, debt consolidation and more.

Rates from

5.94%p.a.Interest rate

5.95%p.a.Comparison rate

Excellent4.7 out of 5 •
820 reviews

Our panel of lenders

Commonwealth Bank logoWestpacNABANZMacquarieINGSuncorpBank Australia

testimonial

Apply online in 15 minutes

One application unlocks thousands of deals

Apply once and get matched with 1000s of loan options from 30+ different lenders. Our in-house broker team will guide you through the remaining steps to find the perfect fit for your needs.

No cost to you

We put you first, not the lender

Our in-house brokers are experts. They don’t work on commission, but rather are salaried employees whose main motivation is working with you to find you the best home loan, no matter your circumstances. Read more in our credit guide.

Barbara Giamalis - Tiimely Home Broker

In-house Broker service

A better way to get the right home loan

Some of the types of home loans our in-house brokers can find for you.

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    Cashbacks and exclusive deals

    Specific lenders may have offers available, including cash backs, fee reductions or waivers or even loyalty offers.

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    Flexible deposit options

    Deposits starting at 2%.
    (We recommend a budget of at least 10% of the property value to cover government and third-party fees).

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    Split loans

    Split your loan with different interest rates (e.g. fixed and variable).

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    Guarantor loans

    Get into the property market sooner without a 20% deposit and avoid paying Lenders’ Mortgage Insurance.

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    Construction & bridging loans

    Build your dream home or buy a new property before selling your old one with a construction or bridging loan.

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    Cross collateralisation

    Leverage your equity and increase borrowing power by securing your loan against multiple properties.

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    Debt consolidation

    Consolidate your debt into a single loan with a low home loan interest rate.

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    Property and location

    Broader property eligibility, including regional and rural locations; land; off the plan, or small sqm (e.g. less than 50sqm).

Commonwealth Bank logoWestpacNABANZMacquarieINGSuncorpBank AustraliaBankwest

Local Experts

Chat to a home loan expert

We pride ourselves on offering smart and fast service. 90% of our calls are answered within 20 seconds by the team in our Australian-based headquarters.

Have questions? We've got answers

What's the difference between a Tiimely Own home loan and home loan via our in-house broker service?

Tiimely Own is the smart choice for a low-rate loan with fast approval, but it’s not for everyone. Our in-house broker service provides major bank loans and supports complex situations and loan features such as split loans, guarantor loans, and construction loans.

Tiimely Own home

Your Tiimely Own home home loan is funded by Bendigo and Adelaide Bank​. You must meet the Tiimely Own home loan eligibility criteria, which includes postcode and property eligibility (i.e. capital, metropolitan and major regional only for owner-occupied and investment purposes), and be borrowing up to 90% (for customers who have less than 20% deposit, you’ll need LMI).

Our in-house broker service

Your loan will be funded by one of our 30+ panel lenders​. This may allow you to unlock additional loan features that better suit your financial situation (i.e. split loan facilities, guarantor loans, land and construction).​ You can borrow up to 95% (LMI may apply for customers who have less than 20% deposit) and depending on your loan amount, there may be more flexibility (borrowing more than $2M-$3M).

What remains the same across both?​

Regardless of where you get your home loan from, you’ll have access to the same superior service we’re famous for.​ You’re empowered enough to go down the DIY online home loan route, so make your Tiimely Home application work harder for you. Combined with our Tiimely Home tech, uses the power of automation and stay in control of your home loan.​ No more time taken out of your day to go to a lender’s office.

Why can't I get the same deal with a Tiimely Own home loan?

We know that not everyone will be suitable for a Tiimely Own home loan.

For example, if you have a complex situation such as a split loan, guarantor loan, or construction loan, plus, each lender has different eligibility criteria.

If you are not approved for a Tiimely Own home loan, you’ll have the option to use our in-house broker service where you'll receive expert guidance from our team. We’ll match your application against our panel of 30+ lenders and 1000s of home loan options without you having to reapply.

Learn more about our in-house broker service.

Do I need to fill in my details again to be eligible for a loan via your in-house broker service?

No. We use the same application for all of our home loans, our Tiimely Own product and for those of our partner lenders, it’s the same one you’ve already started.
Once we have your consent, we’ll apply the same information you’ve already provided to progress your application.

Our in-house brokers have access to a panel of 30+ lenders, offering 1000s of home loan products​ which may allow you to unlock additional loan features that better suit your situation​, including guarantor loans, land and construction, and split loan facilities.

Plus, you’ll have access to the same superior customer service we’re known for and together with our experienced Home Loan Specialists and Broker teams, who all work together in our Adelaide-based HQ.

Note: Our in-house brokers are salaried home loan experts which means they don’t get paid commissions, so they’re not incentivised to stretch your budget. This means you can rest assured that the home loan options they share with you, align with your home loan requirements.
Tiimely Home may receive a fee or commission from a panel lender - for more information see our credit guide.

How much extra will I need to pay for Tiimely Home's in-house broker service?

We don’t charge any fees to use our in-house broker service, nor do our expert brokers work on commission. Tiimely Home may receive fees, commissions or financial rewards from lenders we are accredited with but these fees are not payable by you.

Note: Third-party and government fees, like title fees and stamp duty are unavoidable and some lenders may charge fees (for example, application fees) but we’ll let you know if this applies to any loan options we find for you.

For more information see our credit guide.

Who will my loan be with if I choose Tiimely Home's in-house broker service?

Tiimely Home's in-house broker service is connected to a curated list of home loan products so you’ll not only be getting a great rate, but have the assurance of a reputable lender.​

We’ve made sure to partner with lenders that we believe can offer great products and of course, we are always here if you need support.​

How is Tiimely Home's in-house broker service different from other online brokers?

At Tiimely Home, our proprietary technology gives you the freedom to apply online for a home loan anytime, anywhere and our online application will take you about 15 minutes to complete, which is a very different experience to applying through a bank or other brokers.

We’re the only online home loan lender that built their own tech and it sets us apart from our competitors. In fact, it’s so effective that other lenders, including two of Australia’s biggest banks, license it for their own use.

We have a panel of 30+ lenders, offering 1000s of home loan products​ which may allow you to unlock additional loan features that better suit your situation​, including guarantor loans, land and construction, and split loan facilities.

You’ll have access to the same superior customer service we’re known for and together with our experienced Home Loan Specialists and Broker teams, who all work together in our Adelaide-based HQ.

Plus, our in-house brokers are salaried home loan experts which means they don’t get paid commissions, so they’re not incentivised to stretch your budget. This means you can rest assured that the home loan options they share with you, align with your home loan requirements.

Read more in our credit guide.

How many options will I have with Tiimely Home's in-house broker service?

It depends on your circumstances.
With our in-house broker service, you’ll be able to access 1000s of products across 30+ lenders and our tech, together with our expert team will curate a selection personalised to your situation. Plus, we’ll step you through the process and make sure you’re getting the best value home loan​.

Can I apply directly for a major bank loan from the outset?

Yes, if you know from the outset that your preference is for a loan with a major bank, you can opt-in to our in-house broker service during the ‘Your loan’ section of our application.

Legal things 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.