7.0/10

Based on 9 Tiimely product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Tiimely home loans

Launched in 2017 and backed by the well-known Bendigo and Adelaide Banks, online lender Tiimely (previously Tic:Toc) offers innovative home loans for owner occupiers and investors - including the 22 minute online home loan application.

What home loans do Tiimely offer?

Rates and fees verified as correct at 19 July 2024. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

Are you after a mortgage with the security of fixed loan repayments that offers a competitive rate and flexible account features? Then Tiimely's Fixed Home Loan is well worth considering. Unlike many fixed rate home loans, borrowers will be able to make additional repayments (free up to $20,000 during the fixed rate period), dip into them via a redraw facility, opt for an optional offset account as well as choose your repayments schedule. The offer is available to both owner occupiers and investors on loans above $50,000, but plug your numbers into the calculator below for a better picture of what your monthly repayments could look like:

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

6.34% p.a.

6.09% p.a.

$0.00

$0

5.94% p.a.

5.98% p.a.

$0.00

$0

6.24% p.a.

6.28% p.a.

$0.00

$0

6.14% p.a.

6.25% p.a.

$0.00

$0

Variable Rate Home Loans

If flexibility is a must for you when it comes to choosing a home loan, Tiimely’s Variable Home Loan won’t disappoint. Not only does Tiimely's variable rate home loan offer competitively low interest rates compared to the major banks, both owner occupier and investor borrowers can enjoy $0 application fees, no monthly fees (unless they opt for an offset account), and a free redraw facility to access funds when they’re ahead on mortgage repayments. Need we say more? Run your numbers through Mozo’s calculator for a hypothetical on what you’d be paying every month for a variable rate mortgage with Tiimely:

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

7.09% p.a.

6.47% p.a.

$0.00

$0

5.94% p.a.

5.95% p.a.

$0.00

$0

6.54% p.a.

6.50% p.a.

$0.00

$0

6.29% p.a.

6.29% p.a.

$0.00

$0

Tiimely home loan features in a glance

Rate icon

Low rates

Nabbing a mortgage with a low interest rate will be at the top of the list for many borrowers, which is why Tiimely's fixed and variable rate offers may be worth a look because they offer some of the most competitive rates around.

Image of coins

$0 application fees

One of the benefits of opting for an online lender such as Tiimely is that you get to skip all the admin fees normally involved with providers who operate in bricks and mortar facilities.

Image of coins

Fast approval

Tiimely offers the world’s first 'instant' home loan, which means that it can approve mortgage applications in as little as 22 minutes.

Image of coins

Additional repayments and redraw facilities

On a fixed rate loan you can make up to $20,000 worth of extra loan repayments during the fixed rate period, whereas with the variable rate version there is no limit. Unexpected bills and expenses can crop up now and then though, so borrowers may also be pleased to know that they'll have access to any extra repayments they've made via an online redraw facility.

Image of coins

Optional offset account

All Tiimely home loans give borrowers the option to pay $10 per month for an offset account, which could prove a handy feature to help mortgage holders minimise the interest they pay over time.

How are Tiimely home loans rated?

Mozo users have rated Tiimely home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
Tiimely home loans customer reviews
Overall
7.0/10
Price
8.9/10
Features
7.4/10
Customer service
7.4/10
Convenience
6.3/10
Trust
6.9/10
Based on 9 Tiimely product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Tiimely home loan reviews

Tiimely Variable Home Loan
Overall 8/10
Competitive rate and smooth application process

Interest rate is really competitive. Lowest I know for both variable and fixed rate home loans that includes an offset account. This even when they have increased my rate 0.10 higher that RBA increase. Their website however is very basic, but pretty much enough features for a loan. Only concern for me is it is lacking 2FA. I also hope they would provide a mobile app. Applying for loan was very smooth and have nothing negative to say about it.

Read full review

Interest rate is really competitive. Lowest I know for both variable and fixed rate home loans that includes an offset account. This even when they have increased my rate 0.10 higher that RBA increase. Their website however is very basic, but pretty much enough features for a loan. Only concern for me is it is lacking 2FA. I also hope they would provide a mobile app. Applying for loan was very smooth and have nothing negative to say about it.

Price
9/10
Features
6/10
Customer service
9/10
Convenience
8/10
Trust
8/10
Less
Tyrone, Victoria, reviewed 12 months ago
Tiimely Home Loan
Overall 7/10
Tic:Toc is great, the account is horrid.

Tic:Toc have been great from the start. Any question has been quickly answered without nonsense. The whole process was fairly smooth and again they were happy to answer any questions. Their rates are good (although they've gone up slightly above expected rate rises) and fall in line with most other providers. $10 a month offset is a great addition as well. Once you're all signed up though, you have to deal with the Adelaide Bank app and system and wow. Terrible. No Apple Pay, no alerts if someone empties your account, can't lock your card in the app. In fact, there's really not much you can do besides see your balance and make some payments. Super behind in technology and honestly enough for me to look at refinancing in the future. Tic:Toc has been great, everything about the account itself though is horrid.

Read full review

Tic:Toc have been great from the start. Any question has been quickly answered without nonsense. The whole process was fairly smooth and again they were happy to answer any questions. Their rates are good (although they've gone up slightly above expected rate rises) and fall in line with most other providers. $10 a month offset is a great addition as well. Once you're all signed up though, you have to deal with the Adelaide Bank app and system and wow. Terrible. No Apple Pay, no alerts if someone empties your account, can't lock your card in the app. In fact, there's really not much you can do besides see your balance and make some payments. Super behind in technology and honestly enough for me to look at refinancing in the future. Tic:Toc has been great, everything about the account itself though is horrid.

Price
8/10
Features
2/10
Customer service
9/10
Convenience
1/10
Trust
8/10
Less
Joel, Victoria, reviewed about 1 year ago
Tiimely Variable Home Loan
Overall 10/10
No fuss easy home loans

They had exactly what I was looking for in a home loan, redraw and offset. They are easy to communicate with and very helpful when ever I call. They also work with me to lower my rate with out trying to make me resign

Read full review

They had exactly what I was looking for in a home loan, redraw and offset. They are easy to communicate with and very helpful when ever I call. They also work with me to lower my rate with out trying to make me resign

Price
8/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Kylie, Victoria, reviewed about 1 year ago
Tiimely Home Loan
Overall 8/10
Tic:Toc made the whole process easy

Tic:Toc made the whole process easy. Customer service was very helpful and answered any queries I had on the first call. The application process was straight forward and efficient, and the rate is great. I would recommend Tic:Toc to anyone seeking a change from the big four banks.

Read full review

Tic:Toc made the whole process easy. Customer service was very helpful and answered any queries I had on the first call. The application process was straight forward and efficient, and the rate is great. I would recommend Tic:Toc to anyone seeking a change from the big four banks.

Price
9/10
Features
8/10
Customer service
9/10
Convenience
9/10
Trust
7/10
Less
Byron, Queensland, reviewed over 2 years ago
Tiimely Variable Home Loan
Overall 9/10
No complaints, unbeatable rates. Happy customer

Customer service has been good. Since the loan is backed by Bendigo and Adelaide bank, the online banking uses the same system as Adelaide Bank which works well, and on par with other banks like NAB/Commsec online banking which I also use. The rates are pretty unbeatable and the reason I re-financed to Tic Toc. No regrets. The extra $10 for the offset account is a no brainer for me. So far I've found the company to be pretty reasonable, honest and transparent. Unlike my previous lender, I haven't had any mysterious rate increases due to "increased running costs".

Read full review

Customer service has been good. Since the loan is backed by Bendigo and Adelaide bank, the online banking uses the same system as Adelaide Bank which works well, and on par with other banks like NAB/Commsec online banking which I also use. The rates are pretty unbeatable and the reason I re-financed to Tic Toc. No regrets. The extra $10 for the offset account is a no brainer for me. So far I've found the company to be pretty reasonable, honest and transparent. Unlike my previous lender, I haven't had any mysterious rate increases due to "increased running costs".

Price
9/10
Features
9/10
Customer service
8/10
Convenience
8/10
Trust
8/10
Less
Jock, South Australia, reviewed over 2 years ago

What do you need to apply for a Tiimely home loan?

If you’re sold on Tiimely home loans, by all means go ahead and apply! Just make sure you have the following details ready to include in your online submission:

Once you’ve uploaded your personal details, Tiimely will ask you what you think your monthly expenses are. Then it will do some number crunching behind the scenes and if successful you could become a mortgage holder sooner than you thought possible.

Home loan quick links