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

60
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 (130 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
    +7

    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
        +1

        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.

    • 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
    +3

    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
      -2

      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
      +2

      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.

  • MarkieB on 07/03/2025 - 13:56
    +1

    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?

      • ozzieozzieozzie on 07/03/2025 - 15:04

        Min $500k loan amount PPR only 80% max LVR

  • 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
    +3

    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

  • 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
    +1

    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.

Login or Join to leave a comment
Login Join