These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Tiimely Home is an online Australian fintech lender. Tiimely Home has home loans for investors and owner-occupiers, and offers a fast online application process. Plus, it offers a unique rate match offer where if you see the same loan for a lower rate, Tiimely Home will match it. Check out the full table of Tiimely Home products below or read more about the lender and its loans.
$2,000 cashback offer
Tiimely Home is offering a cashback of $2,000 for both purchasers and refinancers taking out the 2-year Fixed Tiimely Own home loan.
If refinancing, you must be switching from a financial institution other than Tiimely Home.
The loan amount you're applying for must be $500,000 or greater. The home loan application must be submitted between 1 April 2025 and 31 May 2025. The loan must then be settled by 30 June 2025.
This offer is available to both owner occupiers and investors. Only one cashback per loan. Full terms and conditions apply.
Compare Tiimely Home home loans for April 2025
Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More Info".
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Here are the key features and details you need to know about Tiimely Home's mortgage products.
Feature
Details
Minimum deposit
Most Tiimely Home loans have 90% maximum LVRs. This means you can get a loan with just a 10% deposit.
Offset account
You can add an offset account to a Tiimely Home loan but you have to pay a $10 monthly fee.
Fees
Tiimely Home loans have very low fees, including no application fees. This could save you hundreds of dollars in loan costs.
Online application
Tiimely Home is a completely online lender, with phone and chat support. The lender uses a digital technology platform to speed up the application process (if you have all your identity and property information in order).
"Back when looking for a home loan we found Tiimely offered one of the lowest rates around, and it had an offset account, a feature we really wanted. The offset is super helpful. We put any extra savings we have into the account so that it reduces the amount we pay in interest. The lender's website interface post-loan could use a touch-up. It's hard to navigate at times. But the price and features are what matter most."
Katrina Hayes
Finder crew member
How do I apply for a Tiimely Home mortgage?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Eligibility
Each Tiimely Home product has specific eligibility criteria but some will apply to all products. For example:
Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with Tiimely Home, you are required to provide certain information, so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property, but to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (such as savings accounts and investments) and liabilities (for example, any outstanding debt you may have).
From 1 June 2022, if you see an identical variable P&I home loan product to Tiimely Home's offering, but it's at a lower interest rate, Tiimely Home will match the lower rate.
The offer is for customers eligible for a Tiimely Home Owner Occupier or Investment home loan, whether you're purchasing or refinancing from another lender.
The lower rate home loan must be identical to the material features of the Tiimely Home loan and must be an existing offer.
Lenders like Tiimely Home
If you want to compare loans from lenders similar to Tiimely Home, then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:
Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
More home loan questions
To make sure you find the right Tiimely Home loan, you need a clear idea of what you're looking for in a mortgage. These simple questions can help:
Are you comfortable applying online? As Tiimely Home is an online lender, you need to be comfortable completing the entire home loan process via the web (with phone and chat support).
What do you need the loan for? If you're buying a home to live in, you need an owner-occupier loan. Property investors need an investment loan rate. Tiimely Home has both.
Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a certain period, so you can forget about rate changes altogether?
What features do you need? You need to decide whether you need features like a 100% offset account, the ability to make extra repayments and the option to split your rate.
Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits, and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.
Most Australian borrowers bank with one of the Big 4 banks (CommBank, ANZ, Westpac and NAB). You might have some concerns about getting a loan from a smaller lender you've never heard of. But there's no reason to worry just because you've never heard of a lender before.
In Australia, banks and lenders are regulated by the Australian Prudential Regulation Authority (APRA) or the Australian Securities and Investments Commission (ASIC) and must comply with the National Consumer Credit Protection Act.
Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing.
A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.
Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically charges you no fee, because they receive a commission from your lender. Brokers are great if you are short on time or find the whole process of researching and applying for a home loan confusing. But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio
Richard's expertise
Richard has written 602 Finder guides across topics including:
Home loan cashback deals can help you refinance to a cheaper interest rate and get a lump sum cash payment. Compare the latest deals and check your eligibility today.
Learn how to compare rates to find the best home loan and start saving money on your mortgage today.
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