OnlineTiimely Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$3,011
LVR 70–80%
Tiimely Home Home Loan Rates
Online
Active products
48
Lowest variable
6.04%
Lowest fixed
6.39%
Lowest comparison
6.05%
Last updated
28 July 2026
Tiimely Home (formerly Tic:Toc) is a fintech home lender that pioneered fully-automated digital home-loan applications in Australia. Direct-to-consumer only, turnaround can be hours rather than days for clean PAYG cases. Funded via a combination of Bendigo Bank and external warehouse funding.
What is the lowest Tiimely Home home loan rate?
The lowest Tiimely Home variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 48 Tiimely Home products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Tiimely Home offer?
Ratesniffers currently tracks 48 Tiimely Home home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Tiimely Home home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.04% p.a. | 6.05% p.a. | 80% |
| Variable Owner-occupier P&I | 6.04% p.a. | 6.21% p.a. | 95% |
| Variable Investor P&I | 6.34% p.a. | 6.35% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | 6.08% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.39% p.a. | 6.14% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | 6.24% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.39% p.a. | 6.31% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.44% p.a. | 6.12% p.a. | 80% |
| Fixed 4-year Owner-occupier P&I | 6.44% p.a. | 6.19% p.a. | 80% |
| Fixed 5-year Owner-occupier P&I | 6.44% p.a. | 6.22% p.a. | 80% |
| Fixed 2-year Owner-occupier P&I | 6.44% p.a. | 6.29% p.a. | 95% |
| Fixed 4-year Owner-occupier P&I | 6.44% p.a. | 6.35% p.a. | 95% |
48 Tiimely Home home loan products
OnlineOnlineTiimely Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.21%p.a.
Monthly repayment
$3,011
LVR 70–80%
OnlineTiimely Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.35%p.a.
Monthly repayment
$3,108
LVR 70–80%
OnlineTiimely Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineTiimely Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.51%p.a.
Monthly repayment
$3,108
LVR 70–80%
OnlineTiimely Basic Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.56%p.a.
Monthly repayment
$3,174
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR ≤80%
OnlineTiimely Basic Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR 70–80%
OnlineTiimely Offset Home Loan
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.60%p.a.
Monthly repayment
$3,190
LVR ≤80%
OnlineTiimely Offset Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.60%p.a.
Monthly repayment
$3,190
LVR 70–80%
OnlineTiimely Offset Home Loan
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.62%p.a.
Monthly repayment
$3,190
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineTiimely Basic Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineTiimely Offset Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineTiimely Offset Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
7.14%p.a.
Comparison*
—
Monthly repayment
$3,374
LVR 70–80%
OnlineTiimely Offset Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
7.14%p.a.
Comparison*
—
Monthly repayment
$3,374
LVR 70–80%
Negotiate Tiimely Home rates with a broker
Advertised rates aren't always the rate Tiimely Home actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Tiimely Home?
Tiimely Home is the former Tic:Toc Home Loans, the Adelaide-built digital lender founded in 2015 that rebranded in November 2023 to avoid confusion with TikTok. Its home loans are funded by Bendigo and Adelaide Bank, which is also a major shareholder in the platform.
Its claim to fame is speed: its assessment technology automates much of the approval process, and the same platform is licensed to other lenders as enterprise software.
Who suits a Tiimely Home home loan?
Tiimely Home tends to suit borrowers with straightforward scenarios who want a fast, fully digital approval backed by Bendigo Bank funding. The trade-off is a deliberately simple product menu and no branches, so borrowers with complex needs should compare the broader market in the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Tiimely Home home loans: frequently asked questions
What is the lowest Tiimely Home home loan rate?
Tiimely Home's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.39% p.a., based on the 48 Tiimely Home products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Tiimely Home approves, a broker can often negotiate a sharper deal on your scenario.
How does Tiimely Home's home loan rate compare to the market?
Tiimely Home's lowest variable home loan rate today is 6.04% p.a., which is 5 basis points below the market median of 6.09% p.a., which puts Tiimely Home among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Tiimely Home sits right now rather than a fixed snapshot.
How many home loan products does Tiimely Home offer?
Ratesniffers currently tracks 48 Tiimely Home home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Tiimely Home competitive for refinancing?
It depends on your loan size and LVR. Tiimely Home's lowest comparison rate is currently 6.05% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Tiimely Home against the sharpest available rate usually pays off.
How often are Tiimely Home's home loan rates updated?
Ratesniffers refreshes Tiimely Home's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Tiimely Home reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Tiimely Home rates by borrower and loan type
The same Tiimely Home panel, filtered to the scenario you're actually shopping for.
- Tiimely Home owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Tiimely Home investor ratesInvestment lending, interest-only where offered.
- Tiimely Home refinance ratesRefinance-eligible products versus your current rate.
- Tiimely Home first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Tiimely Home fixed rates1 to 5-year terms where available.
- Tiimely Home variable ratesFlexible repayments, offset-compatible products.
- Tiimely Home interest-only ratesIO terms, mostly investor products.
- Tiimely Home offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.