5.74% p.a. Variable P&I Live-in Home Loan (5.75% p.a. CR, 10% Deposit, $10/M Offset Account at 5.86% p.a. CR) @ Tiimely Home

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5.74% p.a. Variable P&I Live-in Home Loan (5.75% p.a. CR, 10% Deposit, $10/M Offset Account at 5.86% p.a. CR) @ Tiimely Home
Go to Deal
MarketingTiimely Home on 07/03/2025 - 13:21 tiimelyhome.com.au (200 clicks)
Last edited 07/03/2025 - 13:33 by 1 other user

Tiimely Home have lowered their home loan rate for new customers looking for a Variable P&I Live-in home loan.

Loan Features

  • No hidden fees
  • Free online redraw on any additional repayments
  • Offset account optional for $10/month
  • Fast approval with Tiimely Turnaround™^
  • Only 10% deposit required
  • Unlimited additional repayments
  • Up to 30 years loan term

Unlock more options
If you’re not eligible for a Tiimely Own home loan, your application can unlock more options viaTiimely Home’s in-house broker service.

Optional offset account
Get an offset account with your home loan for $10/month. When you choose an offset account for our Variable P&I Investment Home Loan, the comparison rate will be 5.86% p.a.
Our 100% offset accounts are optional and available with all of our home loans (even fixed rate home loans). They fall under the ADI licence of Bendigo and Adelaide Bank and are covered by the Financial Claims Scheme. Offset accounts come with a VISA debit card 💳 You can find more detail here.

Tiimely Turnaround™
^We’re known for fast approvals and responsive service, powered by tech and supported by our team of experts. Customer turnaround times are dependent on individual circumstances and may require an assessor to obtain more information.

Legal things about our rates
They're current as of 07 March 2025; available to all home loans approved on or after this date. 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 Home. Australian credit licence 496431. ABN 41 605 696 544

Referral Links

Referral: random (30)

$300 Prezzee gift card each for new Tiimely Own home loan customer & referrer. Referee must settlement home loan within 6 months of application.

Terms & conditions

Financial Home Loan Loan

Related Stores

Tiimely Home
Tiimely Home

Comments

  • athk on 07/03/2025 - 13:29
    +8

    Where’s the deal? Waiving the silly offset fee?

    • donga100 on 07/03/2025 - 13:40
      -1

      Are there any lower variable home loan rates available?

      • athk on 07/03/2025 - 14:07
        +3

        Mostly same same, again, where’s the deal?

    • AaronRain on 07/03/2025 - 13:52

      Where does it said the offset fee with be waived?

      • athk on 07/03/2025 - 14:06

        It doesn’t, it clearly says $10pm

        I’m asking where the deal is, and waiving that offset fee would be appealing to many as a deal.

        • Slo20 on 07/03/2025 - 14:17

          I’m also guessing that is $10 per offset account also so if you have your loans split and want an offset for each then there will be additional costs.

  • blitzn on 07/03/2025 - 13:34
    -1

    Im with anz variable 5.79% $10/month offset account.
    Is this a deal?

    • flashi007 on 07/03/2025 - 13:38
      +3

      This is 5.74

    • AaronRain on 07/03/2025 - 13:51

      Same, 5.74% (0.25 dropped after the recent RBA) with ANZ (via broker).

      • Ozfanmel on 07/03/2025 - 14:27

        For owner occupied? Which broker ?

      • Bargain-er on 07/03/2025 - 15:26

        That s good rate. Mine is 5.83%. May I know which broker? Thanks

        • AaronRain on 08/03/2025 - 11:39
          +1

          Yes for OO and 60% LVR (ANZ wouldn't go lower which is fine since it was offset).
          Was with Fundwise Capital:
          https://www.fundwisecapital.com.au/

          Keep in mind though I have had this loan for over a year and as mentioned it was 5.99% before the 0.25 drop - good luck.

          • syswong on 09/03/2025 - 20:38
            -2

            @AaronRain: Do you event know loan market? You are comparing an offer that is 60% LVR. This offer only require 10% deposit.

            5.74% with offset is cheap for offset even after the rate drop. You can find better rates but most likely fix or green energy home loan.

            • ab c on 14/03/2025 - 08:03

              @syswong: @Tiimely Home, @syswong,

              LRV % for Tiimely Home ?
              Also, pls list other-criteria listed in fine-prints ?

              • syswong on 14/03/2025 - 12:20
                -2

                @ab c: said in the title 10%

                • ab c on 14/03/2025 - 12:51

                  @syswong: weird…

                  Also, pls list other-criteria noted in the fine-prints ?

    • tcommy79 on 07/03/2025 - 15:09

      Would love to know more, im with anz p&i owner occ at 5.96%, about 50% lvr. Just asked my broker if he can make it better said no, only had the loan for 3 months

  • FrugalFrella on 07/03/2025 - 13:45
    +4

    Be warned Adelaide Banks mobile app has been decommissioned last year until they release a new one supposedly some point later this year.

    Really sucks not having a mobile app and needing to use the website instead

    • samfisher5986 on 07/03/2025 - 13:45
      -3

      The website is just an easy as the app to use except you need to do sms verification.

    • DrScavenger on 07/03/2025 - 20:26
      +4

      Its ridiculous at 2025 that companies wouldnt have a mobile app for their bank

  • bionikal on 07/03/2025 - 13:46
    +1

    Maquarie have offered 5.79 with $0/month offset accounts.

    • foxes28 on 10/03/2025 - 13:00
      +1

      $0/month offset accounts.

      It's not really free because there's $250 annual fee

      The Offset Home Loan Facility fee is payable in exchange for the ability to open and link offset accounts

  • MarkieB on 07/03/2025 - 13:56
    +2

    I have just signed up with Australian Mutual who have a 3 year 0.25% intro rate. Got 5.44% variable, no offset.

    • smokeymr on 07/03/2025 - 14:30
      +1

      Is this a public offer? Any other details about the loan that you can share?

    • syswong on 10/03/2025 - 16:37
      -2

      But no offset account….

  • Cheapbut on 07/03/2025 - 13:59

    How is this a deal? unloan and Up are similar.

    Unloan has no offset, unlimited redraws and the interest drops by .01 each year which is why the comparison rate is lower at 5.65% for a 5.74% home loan, CBA backed. https://www.unloan.com.au/refinance

    Up is 5.75% and you can have multiple offset for free and the app is great it's backed by Bendigo and Adelaide Bank. If you are with Bendigo or Adelaide bank refinance is potential easier as its more of internal transfer, you still need qualify of course.
    https://up.com.au/home-loans/fees-and-rates/

    • nagel on 07/03/2025 - 14:17

      Refinance is easy with UP even if you are not with Bendigo/Adelaide bank already. I refinanced from AMP to UP last year and it was a super smooth.

      However it pissed me off in December last year when UP raised the interest rate up from 5.95% to 6.00%. Hopefully it was a one off…

  • organamisms on 07/03/2025 - 14:04
    +1

    Don't go with these guys, their support is atrocious as soon as you sign the loan documents and their website is from the early 2000s. Makes managing the loan a nightmare, don't even get me started on refinancing.

    Jumped ship to a big bank and never looked back.

    • Clear on 07/03/2025 - 15:04
      +1

      Signed up years ago and the only time I've needed CS was retrieving my customer number. Never had an issue.

  • clubhonda on 07/03/2025 - 14:06
    +5

    IMB Bank has a better deal with $4k cashback at 5.79% when you look at the overall picture.

    • foxes28 on 07/03/2025 - 16:38

      Wish they have offset account

      • kcome on 10/03/2025 - 10:04
        +3

        IMB has offset option, its rate is 5.89% now.

        • foxes28 on 10/03/2025 - 11:05

          Oh yeah just saw that. Plus $10 monthly fee

        • syswong on 10/03/2025 - 11:18
          -2

          Do you still get the 4K? Any minimum period requirement?

    • ab c on 14/03/2025 - 13:01

      @foxes28, @kcome, @clubhonda

      Full & candid disclosure pls…pros & cons? Thanks

      • kcome on 16/03/2025 - 18:01

        im with imb, had the cashback last year. it was good.
        Pro is cashback, seems having lots of branches.
        Con is only $1000 per day osko transfer limit. if you want to transfer out more than 1000 a day instantly, maybe they are not a good choice.

        • ab c on 16/03/2025 - 19:00
          -1

          Con is only $1000 per day osko transfer limit. if you want to transfer out more than 1000 a day instantly, maybe they are not a good choice

          Seems like IMB wants to protect their loans by limiting voluntary loan-REpayments & hence protecting their investment-> cashback 'given' to borrowers ?

          Any other 'devil is in the details'…weird that $1K transfer-OUT limit is NOT noted-> https://www.imb.com.au/pdfs/home-loan-cashback-offer-march-2…

          @syswong: comments seems to favour Tiimely-Home & question other-lenders…wolf in sheep clothing ?

          Thanks again

          • kcome on 16/03/2025 - 19:23
            +1

            @ab c: It’s not “$1K transfer out limit”,
            It’s “$1K FAST transfer out limit”. You can transfer out more than 1K, but just not the fast payment network (OSKO).

            And I also remembered sms notification has a 5 or 10 free quota per month. Any sms notification above that number will incur a fee (not big but some cents per sms). You can customise what notification you want to receive. For me I always receive notification via email which is free.

            • ab c on 16/03/2025 - 23:42

              @kcome: Thanks for clarifications.

          • kcome on 16/03/2025 - 19:25

            @ab c: The $1K per day osko limit is with the banks transaction account(in my case, my offset account), not a limit from Homeloan product.

      • clubhonda on 17/03/2025 - 18:44

        There's not much that's bad with them. For bigger transfers, their call centre is quick and painless unlike some of the other banks. Also has freedom to move funds out of redraw from loan unlike some banks. Finally when I tried to leave, they offered to retain me at 5.59% which is a good rate. I don't know if you can get this rate along with the CB or not as a new customer. Perhaps the only downside was the account opening process years ago when I started with them that required heading to their only branch in Vic, but hopefully no longer needed in this day and age.

        • ab c on 17/03/2025 - 18:48

          Thanks

  • Pidgeon on 07/03/2025 - 14:37
    +1

    Im on 5.64 before the rate cut. This is not an advertised deal but there must be better options?

    • Cheapbut on 07/03/2025 - 15:02
      +2

      Who are you with?

      • Pidgeon on 08/03/2025 - 15:30

        I went through a broker called Pacific Mortgage Group. Worst customer service ever! But great rate.

        They currently have variable rate of 5.64 and fixed of 5.39

  • rahuahuj on 07/03/2025 - 15:54

    I am with Bank of Melbourne 5.69%

  • GrumpyMonkey on 07/03/2025 - 19:45

    I'm with Tiimelyhome.com.au and I signed up for 5.94% last year.
    Yesterday I received a letter that it changed to 5.69%.
    Didn't have to make a call or requested a change, they automatically did it. So that's wonderful.

  • cycloneaussie on 07/03/2025 - 19:59

    If you’re not eligible for a Tiimely Own home loan, your application can unlock more options viaTiimely Home’s in-house broker service.

    I sense a bait and switch…

  • UFO on 08/03/2025 - 18:57
    +2

    These guys are actually pretty good to deal with! They are a subsidiary of Bendigo/Adelaide Bank.

    I was with them up until September last year (refinanced to IMB after 2% fixed period expired… slightly better rate plus cashback, that's the way it is with existing loans everywhere). Didn't leave them because I was unhappy… there's no loyalty in lending these days.

    They were originally TicTok Home Loans. It's all online/digital. Their communication style is informal and actually quite funny, and its all very straight forward.
    Everything for the loan setup is via mail but very quick. At the very pointy end you'll need to find a JP or go into a police station to have your documentation witnessed, but once that's all done it's all very straightforward. They didn't even come into the house for a valuation, must have been a driveby/desktop valuation.

    Probably the most pleasant home loan application process I've ever done (I'm old, I've done quite a few).

    Like I said the only reason I'm still not with them is because I chased a 'new lend offer' elsewhere. When this one runs its course I'll probably go back to Tiimely.

    Their website/online banking is rudimentary, but I've always kept with CBA Netbank anyway. I've tried many different lenders for day to day banking platforms but nothing beats CBA. Won't lend off them, but will happily use their Netbank ;).

    For a cheap no fuss home loan, you could do a lot worse.

    • ab c on 14/03/2025 - 08:32
      -1

      refinanced to IMB…& 'I chased a 'new lend offer' elsewhere

      Pls share the reason,
      1.Why IMB &
      2.'I chased a 'new lend offer' elsewhere'.

      In-details ? Thanks.

      • UFO on 14/03/2025 - 16:23

        What details?

        I had an existing loan with Tiimely, fixed at 2%. This expired, and their roll to rate (the variable rate you go to afterwards) was 6.03%.
        This wasn't as competitive as 5.79% plus $4k cashback by moving to IMB, so I moved to IMB.
        Existing customers with ANY bank rarely get the same deal as a new customer.

        In the future, I would consider Tiimely again as a 'new customer'… and will probably go back to them if the deal was right.

  • WeatySmalls on 16/03/2025 - 15:38

    Warning that they have refused after requests to match their existing advertised rate to existing customers. I would avoid them unless you're happy to keep on refinancing to keep up with their 'new customer' rate.

    • ab c on 16/03/2025 - 19:15
      -1

      Warning that they have refused after requests to match their existing advertised rate to existing customers

      Maybe ALL-lenders have restrictions & some lenders don't answer your requests to CANDID & FULL disclosure…eg pls refer to T&Cs: 30+ pages of devil-in-the-details, fine-prints & subject to WIDE-interpretations ?

      10% Deposit

      This post is telling HALF-truth because Tiimely-Home WILL demand borrowers to buy-insurance (expensive), if borrowers have HIGH-LVR%, 80%?. OzBargainers who endorse this loan SHOULD clearly state the criteria to warn NOVICE-borrowers.

      • WeatySmalls on 16/03/2025 - 21:57
        +1

        I HAVE no IDEA what you're rambling about

        • ab c on 16/03/2025 - 23:41

          Maybe I'm re-inforcing what you have said but with insight to the mortgage-industry ?

  • Dyl on 10/04/2025 - 18:26

    10% deposit if you pay LMI….

    As per other warnings, they're known for upping existing customer rights while offering flashy bait rates to new customers. There was in the past a timeline from their own website posted which showed borrowers from only ~6 months prior where on loans about 1% higher than the advertised rate, back when rates were ~2.3%.

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