Interest
6.04%p.a.
Comparison*
6.05%p.a.
Est. repayment
$3,011
LVR 70 to 80%
Tiimely Home Home Loan Rates
Online
Active products
48
Lowest variable
6.04%
Lowest fixed
6.39%
Lowest comparison
6.05%
Last updated
11 Sept 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 are Tiimely Home home loan rates?
Tiimely Home home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.04% p.a. and the lowest fixed rate currently 6.39% p.a., checked daily (last verified 11 Sept 2026). Compare Tiimely Home against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
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, checked daily (last verified 11 Sept 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
Interest
6.04%p.a.
Comparison*
6.21%p.a.
Est. repayment
$3,011
LVR 70 to 80%
Interest
6.34%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
6.08%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.14%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.12%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.19%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.22%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.38%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.34%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
6.62%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.38%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.62%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.89%p.a.
Comparison*
6.13%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.89%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.89%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.89%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.22%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.38%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 80%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Tiimely Home home loan repayment calculator
Pre-filled with Tiimely Home's lowest advertised variable rate in the table above, 6.04% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Tiimely Home's lowest variable today: 6.04%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,011
Fortnightly repayment
$1,390
Total interest
$583,824
30 years at 6.04% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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.
Tiimely Home's loans are funded by Bendigo Bank, which is also a major shareholder in the platform, so it is worth comparing Bendigo's own branded range alongside Tiimely's digital-only pricing.
Background facts checked 21 July 2026. Rates above refresh independently.
Tiimely Home home loans: frequently asked questions
What are Tiimely Home home loan rates?
Tiimely Home home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.04% p.a., and the lowest fixed rate is 6.39% p.a., checked daily (last verified 11 Sept 2026). Compare Tiimely Home against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Tiimely Home balance, use /calculators/extra-repayment.
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, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Tiimely Home approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Tiimely Home home loan?
At Tiimely Home's lowest variable rate of 6.04% p.a., a $600,000 principal and interest loan over 30 years repays about $3,613 a month, and $500,000 about $3,011. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Tiimely Home home loan?
There is no single salary. Like every Australian lender, Tiimely Home must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.04% p.a. is assessed at about 9.04% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
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 20 basis points below the market median of 6.24% 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 checked daily against each lender's current published pricing 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 11 Sept 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.