Your selected 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.
Your selected home loans
We moved our home loan to Tiimely from ING a few years ago. It was a very easy process to transfer and they were very helpful throughout. I've contacted them a handful of times over the years and they have always provided excellent customer service. And their rates are pretty good too.
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.
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.
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
* 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.
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