Home loan · Variable
Tiimely Basic Home Loan
Rate
Loan for
Repayments
6.30%comparison rate p.a. · 6.29% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
21st of 91 variable owner-occupier P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Variable · P&I · Owner-occupier · ≤50% LVR
- 6.21% comparison · 6.20% advertised
- Variable · P&I · Owner-occupier · 50–60% LVR
- 6.21% comparison · 6.20% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.30% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.30% comparison · 6.29% advertised
- Variable · Interest Only · Owner-occupier · ≤50% LVR
- 6.69% comparison · 7.32% advertised
- Variable · Interest Only · Owner-occupier · 50–60% LVR
- 6.69% comparison · 7.32% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.77% comparison · 7.39% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.77% comparison · 7.39% advertised
- Variable · P&I · Investor · ≤50% LVR
- 6.53% comparison · 6.52% advertised
- Variable · P&I · Investor · 50–60% LVR
- 6.53% comparison · 6.52% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.59% comparison · 6.59% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.59% comparison · 6.59% advertised
- Variable · Interest Only · Investor · ≤50% LVR
- 6.63% comparison · 6.77% advertised
- Variable · Interest Only · Investor · 50–60% LVR
- 6.63% comparison · 6.77% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.70% comparison · 6.84% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.70% comparison · 6.84% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.32% comparison · 6.49% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.37% comparison · 6.99% advertised
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 6.60% comparison · 6.64% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.61% comparison · 6.74% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.33% comparison · 6.49% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.43% comparison · 6.99% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 6.60% comparison · 6.64% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.62% comparison · 6.74% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.38% comparison · 6.59% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.52% comparison · 7.09% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 6.64% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.67% comparison · 6.84% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.44% comparison · 6.69% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.62% comparison · 7.19% advertised
- 4yr Fixed · P&I · Investor · ≤80% LVR
- 6.69% comparison · 6.84% advertised
- 4yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.72% comparison · 6.94% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.47% comparison · 6.69% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.68% comparison · 7.19% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 6.71% comparison · 6.84% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.75% comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Tiimely Basic Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Tiimely Basic Home Loan36 variants up 0.14 to 0.269 days after the RBA rise to 4.60%+0.14 to +0.26
Variable · P&I · Owner-occupier · ≤50% LVR 5.96 6.21 +0.25 Variable · P&I · Owner-occupier · 50–60% LVR 5.96 6.21 +0.25 Variable · P&I · Owner-occupier · 60–70% LVR 6.05 6.30 +0.25 Variable · P&I · Owner-occupier · 70–80% LVR 6.05 6.30 +0.25 Variable · Interest Only · Owner-occupier · ≤50% LVR 6.43 6.69 +0.26 Variable · Interest Only · Owner-occupier · 50–60% LVR 6.43 6.69 +0.26 Variable · Interest Only · Owner-occupier · 60–70% LVR 6.52 6.77 +0.25 Variable · Interest Only · Owner-occupier · 70–80% LVR 6.52 6.77 +0.25 Variable · P&I · Investor · ≤50% LVR 6.28 6.53 +0.25 Variable · P&I · Investor · 50–60% LVR 6.28 6.53 +0.25 Variable · P&I · Investor · 60–70% LVR 6.35 6.59 +0.24 Variable · P&I · Investor · 70–80% LVR 6.35 6.59 +0.24 Variable · Interest Only · Investor · ≤50% LVR 6.38 6.63 +0.25 Variable · Interest Only · Investor · 50–60% LVR 6.38 6.63 +0.25 Variable · Interest Only · Investor · 60–70% LVR 6.45 6.70 +0.25 Variable · Interest Only · Investor · 70–80% LVR 6.45 6.70 +0.25 1yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.09 6.32 +0.23 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.14 6.37 +0.23 1yr Fixed · P&I · Investor · ≤80% LVR 6.38 6.60 +0.22 1yr Fixed · Interest Only · Investor · ≤80% LVR 6.39 6.61 +0.22 2yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.13 6.33 +0.20 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.23 6.43 +0.20 2yr Fixed · P&I · Investor · ≤80% LVR 6.40 6.60 +0.20 2yr Fixed · Interest Only · Investor · ≤80% LVR 6.42 6.62 +0.20 3yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.20 6.38 +0.18 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.34 6.52 +0.18 3yr Fixed · P&I · Investor · ≤80% LVR 6.46 6.64 +0.18 3yr Fixed · Interest Only · Investor · ≤80% LVR 6.49 6.67 +0.18 4yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.28 6.44 +0.16 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.46 6.62 +0.16 4yr Fixed · P&I · Investor · ≤80% LVR 6.53 6.69 +0.16 4yr Fixed · Interest Only · Investor · ≤80% LVR 6.56 6.72 +0.16 5yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.33 6.47 +0.14 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.54 6.68 +0.14 5yr Fixed · P&I · Investor · ≤80% LVR 6.57 6.71 +0.14 5yr Fixed · Interest Only · Investor · ≤80% LVR 6.60 6.75 +0.15 - Tiimely Basic Home Loan20 variants up 0.01 to 0.115 days after the RBA rise to 4.60%+0.01 to +0.11All ≤80% LVR
1yr Fixed · P&I · Owner-occupier 6.08 6.09 +0.01 1yr Fixed · Interest Only · Owner-occupier 6.13 6.14 +0.01 1yr Fixed · P&I · Investor 6.37 6.38 +0.01 1yr Fixed · Interest Only · Investor 6.38 6.39 +0.01 2yr Fixed · P&I · Owner-occupier 6.12 6.13 +0.01 2yr Fixed · Interest Only · Owner-occupier 6.22 6.23 +0.01 2yr Fixed · P&I · Investor 6.39 6.40 +0.01 2yr Fixed · Interest Only · Investor 6.41 6.42 +0.01 3yr Fixed · P&I · Owner-occupier 6.14 6.20 +0.06 3yr Fixed · Interest Only · Owner-occupier 6.28 6.34 +0.06 3yr Fixed · P&I · Investor 6.40 6.46 +0.06 3yr Fixed · Interest Only · Investor 6.43 6.49 +0.06 4yr Fixed · P&I · Owner-occupier 6.19 6.28 +0.09 4yr Fixed · Interest Only · Owner-occupier 6.37 6.46 +0.09 4yr Fixed · P&I · Investor 6.44 6.53 +0.09 4yr Fixed · Interest Only · Investor 6.47 6.56 +0.09 5yr Fixed · P&I · Owner-occupier 6.22 6.33 +0.11 5yr Fixed · Interest Only · Owner-occupier 6.43 6.54 +0.11 5yr Fixed · P&I · Investor 6.46 6.57 +0.11 5yr Fixed · Interest Only · Investor 6.49 6.60 +0.11
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).
Also from Tiimely Home: Tiimely Offset Home Loan 6.46%
As of 15 October 2026, the Tiimely Home Tiimely Basic Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.30% (6.29% advertised), ranking 21st of 91 variable owner-occupier P&I loans and sitting 0.24 points below the market average of 6.54%. The product comes in 36 variants; the others are investor, interest-only, fixed-rate and other LVR bands. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.