Tiimely is an online Australian fintech lender. Tiimely 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 will match it. Check out the full table of Tiimely products below or read more about the lender and its loans.
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".
Review by our senior home loans writer Richard Whitten
Taking out the most gongs this year, Tiimely won across 3 categories in the 2024 Finder Awards for Best Ower Occupier Variable Home Loan, Best First Home Buyer Home Loan and Best Owner Occupier Refinance Variable Home Loan. Click on to see Tiimely’s highly commended categories.
Full list of 2024 winners
Tiimely was highly commended across 5 categories. The most notable was for Home Loan Provider of the Year. It was also highly commended for its 3 year fixed home loan for owner occupiers in categories; Best Owner Occupier Fixed - 3 Year and Best Owner Occupier Refinance Fixed. Click on for more highly commended lenders for investors.
Full list of 2024 winners
Tiimely’s variable rate home loan was highly commended in the Best Investor IO Fixed - 3 Year and Best Investor P&I Variable category, where its offset account option would have complemented its low rates and low fees.
Full list of 2024 winnersHere are the key features and details you need to know about Tiimely's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | Most Tiimely 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 loan but you have to pay a $10 monthly fee. |
| Fees | Tiimely loans have very low fees, including no application fees. This could save you hundreds of dollars in loan costs. |
| Online application | Tiimely 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). |
| Repayment options | Both Tiimely's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans. |
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.
Each Tiimely product has specific eligibility criteria but some will apply to all products. For example:
When you apply for a mortgage with Tiimely, 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's offering, but it's at a lower interest rate, Tiimely will match the lower rate.
The offer is for customers eligible for a Tiimely 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 loan and must be an existing offer.
If you want to compare loans from lenders similar to Tiimely, then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:
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