Tiimely Home home loan interest rates for owner-occupier principal & interest loans — 4 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16. non-bank lender
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Tiimely Own Basic auto-updated 2026-09-16 | 5.95% | 1yr 6.39%2yr 6.44%3yr 6.39%4yr 6.44%5yr 6.44% | 5.96% | No application or ongoing fees ($0/mth). $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans. | ★ No application or ongoing fees ★ Free online redraw and unlimited additional repayments (variable rate) ★ Up to 80% LVR; owner-occupier or investment ★ Fixed or variable rate; fully online application |
| Tiimely Own Basic — Fixed | — | 1yr 6.39%2yr 6.44%3yr 6.39%4yr 6.44%5yr 6.44% | — | No application or ongoing fees ($0/mth). $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans. | — |
| Tiimely Own Offset auto-updated 2026-09-16 | 5.95% | — | 6.12% | $180/yr; $15/month offset account fee ($180 p.a.). No application fee. $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans. | ★ 100% offset account with free redraw ★ Up to 90% LVR with LMI; owner-occupier or investment ★ Fixed or variable rate; fully online application |
| Tiimely Own Offset — Fixed | — | 1yr 6.39%2yr 6.44%3yr 6.39%4yr 6.44%5yr 6.44% | — | $180/yr; $15/month offset account fee ($180 p.a.). No application fee. $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans. | — |
About Tiimely Home
Tiimely Home is the retail home-loan business of Tiimely (formerly Tic:Toc), an Australian Credit Licence holder rather than a bank, and does not sit on a broker panel. Its direct-to-customer product is the Tiimely Own home loan, sold in two variants: Tiimely Own Basic (no offset facility, no ongoing fees) and Tiimely Own Offset (100% offset account, $15/month). Loans are funded by Bendigo and Adelaide Bank, which also provides the offset accounts and the Financial Claims Scheme protection. Rates shown are owner-occupier, principal & interest at LVR 50-60%, the band Tiimely publishes on its rate page.
- Website: tiimelyhome.com.au
- Contact: 1300 842 405; email [email protected]
Current Tiimely Home rates: lowest variable 5.95%, lowest fixed 6.39%.
Rate source: https://tiimelyhome.com.au/home-loans (formerly Tic:Toc).