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Tiimely Fixed Home Loan

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 90%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 90% $50,000 $2,000,000
Owner Occupier Interest Only < 90% $50,000 $2,000,000
Investor Principal & Interest < 90% $50,000 $2,000,000
Investor Interest Only < 90% $50,000 $2,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 90%
    Loan: $50,000 $2,000,000
  • Owner Occupier (Interest Only)
    LVR < 90%
    Loan: $50,000 $2,000,000
  • Investor (Principal & Interest)
    LVR < 90%
    Loan: $50,000 $2,000,000
  • Investor (Interest Only)
    LVR < 90%
    Loan: $50,000 $2,000,000
Fixed 3 year rate
5.94% p.a.
Comparison Rate
5.98% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
6.34% p.a.
Comparison Rate
6.09% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
6.14% p.a.
Comparison Rate
6.25% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
6.24% p.a.
Comparison Rate
6.28% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review Tiimely Fixed Home Loan - last updated: 15 February 2024

4.5 / 5
binocular icon
What's hot
  • Optional offset account
What's not
  • $395 discharge free
Mozo snapshot

Online lender Tiimely has upped the ante with the introduction of its near-instant mortgage, where borrowers can get the tick of approval in as little as 22 minutes. So if you’re looking to lock in a home loan with a competitive fixed rate plus some handy extra features, and you're happy to fill out your mortgage application entirely online, Tiimely's Fixed Home Loan may be worth your attention.

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Key features

Tiimely’s Fixed Home Loan has the kind of versatility that's relatively rare in a fixed home loan. You can borrow from $50,000 to $2,000,000, you can make extra repayments (up to $20,000) and the free redraw facility means you can dip into them if you need later on. There's even an optional offset account available, though it does come at a cost of $10/month, and when it comes to making repayments you'll be able to choose between making them on a weekly, fortnightly or monthly schedule. 

In terms of rates, both owner occupiers and investors will be able to fix their loan for 1-5 years as long as they have a loan-to-value ratio (LVR) below 90%.

Unless you opt for an offset account the only fee you'll need to consider is the $395 discharge fee at the end of your loan, as Tiimely doesn't charge any upfront or ongoing service fees. 

snapshot
Who is it good for

The Tiimely Fixed Home Loan could be a great choice for borrowers who want fixed repayments for a set period of time and like the convenience of an online application and fast approval process.

question icon
Any catches

This mortgage will not suit those set on buying a property off the plan or a block of land, as the loan is only available for established home purchases only.

Picture of Tom Watson
Tom Watson
Finance journalist

Tom Watson worked as a financial journalist at Mozo from 2018 - March 2022. He specialised in fintech, property and business banking and kept our readers up to date with breaking Australian financial news. His work is often sourced in the media and across social media channels. Tom has a degree in Journalism from the University of Technology, Sydney. He is also ASIC RG146 (Tier 2) certified for general advice.

Details

Rates and fees information correct as at 25 February 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.14% (6.01%*)

5.94% (5.99%*)

5.94% (5.98%*)

6.14% (6.05%*)

6.14% (6.06%*)

n/a

n/a

5.99% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$325.00

Other financial bits

$50,000

$2,000,000

none

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free, up to $20,000 p.a.

no

yes - free

none

no

Optional - $10 per month

PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

none

none

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.

Details

Rates and fees information correct as at 25 February 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.54% (6.05%*)

6.34% (6.06%*)

6.34% (6.09%*)

6.54% (6.20%*)

6.54% (6.24%*)

n/a

n/a

5.99% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$325.00

Other financial bits

$50,000

$2,000,000

none

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free, up to $20,000 p.a.

no

yes - free

none

no

Optional - $10 per month

PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

none

none

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.

Details

Rates and fees information correct as at 25 February 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.34% (6.30%*)

6.14% (6.27%*)

6.14% (6.25%*)

6.34% (6.31%*)

6.34% (6.32%*)

n/a

n/a

6.29% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$325.00

Other financial bits

$50,000

$2,000,000

none

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free, up to $20,000 p.a.

no

yes - free

none

no

Optional - $10 per month

PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

none

none

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.

Details

Rates and fees information correct as at 25 February 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.44% (6.31%*)

6.24% (6.28%*)

6.24% (6.28%*)

6.44% (6.35%*)

6.44% (6.36%*)

n/a

n/a

6.29% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$325.00

Other financial bits

$50,000

$2,000,000

none

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free, up to $20,000 p.a.

no

yes - free

none

no

Optional - $10 per month

PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

none

none

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.

Customer Reviews

How are Tiimely home loans rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

About Tiimely

Thumbnail icon for Up
Up

Home Fixed Rate

5.80% p.a.
fixed 3 years

6.05% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

Thumbnail icon for Up
Up

Home Variable Rate

6.15% p.a. variable

6.15% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.24% p.a. variable

6.24% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.09% p.a. variable

6.11% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.34% p.a. variable

6.34% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for Up
Up

Home Fixed Rate

5.80% p.a.
fixed 3 years

6.05% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.24% p.a. variable

6.24% p.a.

Thumbnail icon for Up
Up

Home Variable Rate

6.15% p.a. variable

6.15% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.09% p.a. variable

6.11% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.34% p.a. variable

6.34% p.a.

Thumbnail icon for Up
Up

Home Variable Rate

6.15% p.a.

6.15% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a.

6.58% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.24% p.a.

6.24% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.09% p.a.

6.11% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.34% p.a.

6.34% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

p.a.

6.52% p.a.

Thumbnail icon for Up
Up

Home Fixed Rate

5.80% p.a.
fixed 3 years

6.05% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

6.64% p.a.
fixed 3 years

6.56% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

6.64% p.a.
fixed 3 years

6.56% p.a.

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.

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