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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206) and a Tier 1 Generic Knowledge certification (RG 146).

Expert review

The Tiimely Own Variable Rate loan is available for owner-occupiers and is only available in capital cities and regional centres, including Tasmania and the Northern Territory.

As an online lender, borrowers apply for this loan entirely online. Tiimely assesses your eligibility and verifies your identity and income details as you apply. This results in a faster application process. Tiimely is backed by the Adelaide and Bendigo Bank.

About this loan

What are the features and benefits of Tiimely's Own Variable Rate home loan?

  • Loan-to-value ratio (LVR). The Tiimely Own Variable Rate home loan requires at least a 20% deposit, meaning you can borrow up to 80% of the property's value.
  • Repayment type and frequency. This loan allows for flexible monthly, weekly or fortnightly payments and unlimited additional repayments.
  • Free redraws. This home loan allows unlimited free redraws.
  • Offset account. Tiimely gives you the option of adding an offset account for a $10 monthly fee.
  • Limited fees. Aside from a fee for the optional offset account, the Variable Rate loan has no application fees, ongoing fees or settlement fees. Tiimely will also provide a free valuation.
  • Speedy application. The entire Tiimely application process is online, and if you have all the necessary details ready and meet Tiimely's lending criteria you can get approval for the Tiimely Own Variable Rate loan very quickly.

What fees and charges come with this loan?

  • Optional offset account fee: $10. The only fee charged by Tiimely is the $10 monthly fee for the offset account.

How to apply

If you're ready to apply for the Tiimely Own Variable Rate loan you can click the green button below. This takes you to Tiimely's website, where you can begin your application. Tiimely claims they can approve lenders faster than traditional lenders, but you'll need some documentation first.

  • Personal information. You need to provide valid ID, such as a driver's licence, Medicare card or passport.
  • Financial information. Tiimely needs information about your household income and expenditures. If you provide your banking logins, Tiimely can verify all your financial information without the need to upload documents.
  • Property information. You'll need to provide the address of the home you're buying or refinancing, along with its current estimated value.

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    Default Gravatar
    April 3, 2023


    I have $240k savings and want to purchase 2 apartments within 1M. One for living and one for investment. What is the possibility of me entering such a way. I’m 44 now.

      April 4, 2023

      Hi Rav,

      We recommend you meet with an experienced financial advisor or property advisor for person advice, as we’re not licenced to give you personal advice.

      One thing to keep in mind when you purchase a home and/or investment property is stamp duty and LMI – these can add thousands or tens of thousands to the cost of buying a property.

      Here’s some more info to help you work out how much you might be expected to pay:

      Hope this helps!

    Default Gravatar
    March 20, 2023

    I’m looking to buy property worth 710k, I’ve a saving of 75k. Wht would be the interest rate and eligibility.

      March 22, 2023

      Hi SJ,

      Your rate depends on the type of loan. If you want a variable rate owner-occupier loan with principal-and-interest repayments you’re probably looking at a rate of 4.79%. Contact the lender for more detailed eligibility criteria.

    Default Gravatar
    February 3, 2023

    Hi there.
    The variable rate advertised at 4.57% is valid for home loans above 80% LVR? If not what would be the rate for a $570k loan on a 85% LVR?

      February 21, 2023

      Hi Bianca,

      This rate is available for borrowers with LVRS up to 90%. So 85% is fine.

      Kind regards,

    Default Gravatar
    January 17, 2023

    You note: “Offset account. Tic:Toc gives you the option of adding an offset account for a $10 monthly fee.”
    But in the details list you have marked Offset: NO

    Can you correct this please. I have this loan and it does have an offset feature.

      February 3, 2023

      Hi Kevin,

      In the dropdown box at the top of the page, we have this loan listed with two options: one loan which includes the offset and one loan that does not. These have different comparison rates to reflect the extra cost of the offset. This particular page is the version of the loan without the offset.

      Kind regards,

    Default Gravatar
    July 8, 2022

    Do you loan funds to seniors citizens with 70% deposit?

      July 15, 2022

      Hi Roy,

      There are lenders offering home loans to senior citizens but your options might be limited. You can read our guide on home loans for over 55s as a reference. At Finder we do not lend to people ourselves, we just provide information to readers.

      It would be worth seeking assistance from a mortgage broker to get personalised advice regarding your situation. Their services are free, and they can help you find a specialist lender to work with. Simply fill out the form found on this page.

      I hope this helps!


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