One application unlocks thousands of deals
Apply with Tiimely Home and get the right home loan for you, with expert guidance from our friendly in-house broker team.
30+
lenders on our panel.
1000s
of home loan deals.
36,000+
home loans assessed via Tiimely Home.
Great offers from our panel of lenders
How it works
Step 1
Get started
Apply with Tiimely Home and we’ll match your details with a Tiimely Own home loan. Or, we’ll let you know if there’s a better fit with one of our panel of 30+ lenders. If you know you want a major bank loan from the outset, you can opt-in to our in-house broker service during the ‘Your loan’ section in the application.
- Apply in ~15 mins
- No paper forms
Step 2
Complete your details
Fill in your application so we can assist you in finding the right home loan for you. This information will help inform our recommendations for the loans that suit your needs and preferences as well as what you’re eligible for.
Step 3
Chat with our experts, and move fast
You’ll receive an email to book an appointment with one of our expert in-house brokers. This chat will ensure we’re on the same page about your objectives and requirements.
- Book an appointment
- Expert in-house team of brokers
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.
In-house Broker service
A better way to get the right home loan
Here are just some of the reasons you may want a loan via our in-house broker service.
Cash backs and exclusive deals
Specific lenders may have ‘specials’ available, including cash backs, fee reductions or waivers or loyalty offers.
Flexible deposit options
Deposits starting at 2%. (But budget for at least 10% of the property value to cover government and third-party fees).
Split loans
Split your loan with different interest rates (e.g. fixed and variable).
Guarantor loans
Get into the property market sooner without a 20% deposit and avoid paying Lenders’ Mortgage Insurance.
Construction & bridging loans
Build your dream home or buy a new property before selling your old one with a construction or bridging loan.
Cross collateralisation
Leverage your equity and increase borrowing power by securing your loan against multiple properties.
Debt consolidation
Consolidate your debt into a single loan with a low home loan interest rate.
Property and location
Broader property eligibility, including regional and rural locations; land; off the plan, or small sqm (e.g. less than 50sqm).
Ready to take the next step?
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?
Tiimely Own home loans are the smart choice for a low-rate loan with fast approval, but they may not be suitable for everyone. If you have a complex situation such as a split loan, guarantor loan, or construction loan, a Tiimely Own home loan may not be the best option for you. Additionally, each lender has different eligibility criteria.
If you are not approved for a Tiimely Own home loan, don't worry. Tiimely Home has an in-house broker service that can help you find the right home loan for your needs. We will match your application with a lender from our panel of 30+ lenders and 1000s of home loan options, all without you having to reapply. You'll receive expert guidance from our friendly in-house broker team every step of the way.
Do I need to fill in my details again to be eligible for a loan via your in-house broker service?
No. You’ve already done the hard yards and our automated process can apply the same information to progress your application to the next stage. All we’d need is one or two additional pieces of information to secure your loan.
Of course, we won’t do this without your consent, and you’ll be asked either during your online application or in conversation with one of our team in the Customer Hub.
How much extra will I need to pay for Tiimely Home's in-house broker service?
There are no fees to use our in-house broker service. Depending on which home loan you choose, there may be some associated lender fees.
There are some unavoidable third-party and government fees, like title fees and stamp duty. Some lenders may also charge fees (for example, application fees) but we’ll point these out if they’re identified as loan options for you.
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?
Our proprietary technology. Our in-house broker service is accessible through the same seamless and efficient Tiimely application process - there is no separate form or manual process for customers who apply for a Tiimely broker product. We’re the only online home loan lender that has built their own tech. It’s also what sets us apart from our competitors. Our platform is in effect a matching engine, able to assess our customers’ information in real time and against multiple products.
Your loan will be funded by one of our 30+ panel lenders which may allow you to unlock additional loan features that better suit your financial situation, including guarantor loans, land and construction, and split loan facilities.
Regardless of where you get your Tiimely Home loan from, you’ll have access to the same superior service we’re famous for - that means the application experience, and access to our experienced Home Loan Specialists and Broker teams, who all work under the same roof. Plus, our in-house brokers don’t get paid commissions (because they’re salaried home loan experts). This means they’re not incentivised to stretch your budget for a bigger payday, or have lender preferences that may not align to yours. They’re working to find you the right deal, no matter what. 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, but with our in-house broker service you’ll be able to access 1000s of products across 30+ lenders and our tech and our team will curate a selection personalised just for you. Plus, we’ll step you through to process to make sure that you’re still getting the best value home loan.
Can I apply directly for a major bank loan from the outset?
Yes, if you know you want a major bank loan from the outset, you can opt-in to our in-house broker service during the ‘Your loan’ section in the application.