Home loan · Variable
Tiimely Offset Home Loan
Rate
Loan for
Repayments
Deposit
6.46%comparison rate p.a. · 6.29% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
39th 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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Variable · P&I · Owner-occupier · ≤50% LVR
- 6.37% comparison · 6.20% advertised
- Variable · P&I · Owner-occupier · 50–60% LVR
- 6.37% comparison · 6.20% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.46% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.46% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.75% comparison · 6.59% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.30% comparison · 7.14% advertised
- Variable · Interest Only · Owner-occupier · ≤50% LVR
- 6.84% comparison · 7.32% advertised
- Variable · Interest Only · Owner-occupier · 50–60% LVR
- 6.84% comparison · 7.32% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.92% comparison · 7.39% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.92% comparison · 7.39% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 7.23% comparison · 7.69% advertised
- Variable · P&I · Investor · ≤50% LVR
- 6.68% comparison · 6.52% advertised
- Variable · P&I · Investor · 50–60% LVR
- 6.68% comparison · 6.52% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.75% comparison · 6.59% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.75% comparison · 6.59% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.05% comparison · 6.89% advertised
- Variable · Interest Only · Investor · ≤50% LVR
- 6.78% comparison · 6.77% advertised
- Variable · Interest Only · Investor · 50–60% LVR
- 6.78% comparison · 6.77% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.85% comparison · 6.84% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.85% comparison · 6.84% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.15% comparison · 7.14% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.48% comparison · 6.49% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.76% comparison · 6.69% advertised
- 1yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.25% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.53% comparison · 6.99% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 6.81% comparison · 7.19% advertised
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 6.76% comparison · 6.64% advertised
- 1yr Fixed · P&I · Investor · 80–90% LVR
- 7.05% comparison · 6.84% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.77% comparison · 6.74% advertised
- 1yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.05% comparison · 6.94% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.50% comparison · 6.49% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.77% comparison · 6.69% advertised
- 2yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.21% comparison · 6.69% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.59% comparison · 6.99% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 6.87% comparison · 7.19% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 6.76% comparison · 6.64% advertised
- 2yr Fixed · P&I · Investor · 80–90% LVR
- 7.04% comparison · 6.84% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.78% comparison · 6.74% advertised
- 2yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.06% comparison · 6.94% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.54% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.81% comparison · 6.79% advertised
- 3yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.20% comparison · 6.79% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.67% comparison · 7.09% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 6.95% comparison · 7.29% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 6.80% comparison · 6.74% advertised
- 3yr Fixed · P&I · Investor · 80–90% LVR
- 7.07% comparison · 6.94% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.82% comparison · 6.84% advertised
- 3yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.09% comparison · 7.04% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.60% comparison · 6.69% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.86% comparison · 6.89% advertised
- 4yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.21% comparison · 6.89% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.77% comparison · 7.19% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 7.04% comparison · 7.39% advertised
- 4yr Fixed · P&I · Investor · ≤80% LVR
- 6.85% comparison · 6.84% advertised
- 4yr Fixed · P&I · Investor · 80–90% LVR
- 7.11% comparison · 7.04% advertised
- 4yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.87% comparison · 6.94% advertised
- 4yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.13% comparison · 7.14% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.63% comparison · 6.69% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.89% comparison · 6.89% advertised
- 5yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.19% comparison · 6.89% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.83% comparison · 7.19% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 7.09% comparison · 7.39% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 6.86% comparison · 6.84% advertised
- 5yr Fixed · P&I · Investor · 80–90% LVR
- 7.12% comparison · 7.04% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.89% comparison · 6.94% advertised
- 5yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.15% comparison · 7.14% advertised
- Application fee
- None
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Tiimely Offset Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Tiimely Offset Home Loan66 variants up 0.13 to 0.269 days after the RBA rise to 4.60%+0.13 to +0.26
Variable · P&I · Owner-occupier · ≤50% LVR 6.12 6.37 +0.25 Variable · P&I · Owner-occupier · 50–60% LVR 6.12 6.37 +0.25 Variable · P&I · Owner-occupier · 60–70% LVR 6.21 6.46 +0.25 Variable · P&I · Owner-occupier · 70–80% LVR 6.21 6.46 +0.25 Variable · P&I · Owner-occupier · 80–90% LVR 6.51 6.75 +0.24 Variable · P&I · Owner-occupier · 90–95% LVR 7.05 7.30 +0.25 Variable · Interest Only · Owner-occupier · ≤50% LVR 6.59 6.84 +0.25 Variable · Interest Only · Owner-occupier · 50–60% LVR 6.59 6.84 +0.25 Variable · Interest Only · Owner-occupier · 60–70% LVR 6.67 6.92 +0.25 Variable · Interest Only · Owner-occupier · 70–80% LVR 6.67 6.92 +0.25 Variable · Interest Only · Owner-occupier · 80–90% LVR 6.97 7.23 +0.26 Variable · P&I · Investor · ≤50% LVR 6.44 6.68 +0.24 Variable · P&I · Investor · 50–60% LVR 6.44 6.68 +0.24 Variable · P&I · Investor · 60–70% LVR 6.51 6.75 +0.24 Variable · P&I · Investor · 70–80% LVR 6.51 6.75 +0.24 Variable · P&I · Investor · 80–90% LVR 6.80 7.05 +0.25 Variable · Interest Only · Investor · ≤50% LVR 6.53 6.78 +0.25 Variable · Interest Only · Investor · 50–60% LVR 6.53 6.78 +0.25 Variable · Interest Only · Investor · 60–70% LVR 6.60 6.85 +0.25 Variable · Interest Only · Investor · 70–80% LVR 6.60 6.85 +0.25 Variable · Interest Only · Investor · 80–90% LVR 6.90 7.15 +0.25 1yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.25 6.48 +0.23 1yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.54 6.76 +0.22 1yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.03 7.25 +0.22 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.30 6.53 +0.23 1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.59 6.81 +0.22 1yr Fixed · P&I · Investor · ≤80% LVR 6.54 6.76 +0.22 1yr Fixed · P&I · Investor · 80–90% LVR 6.82 7.05 +0.23 1yr Fixed · Interest Only · Investor · ≤80% LVR 6.54 6.77 +0.23 1yr Fixed · Interest Only · Investor · 80–90% LVR 6.83 7.05 +0.22 2yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.30 6.50 +0.20 2yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.58 6.77 +0.19 2yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.01 7.21 +0.20 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.39 6.59 +0.20 2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.67 6.87 +0.20 2yr Fixed · P&I · Investor · ≤80% LVR 6.57 6.76 +0.19 2yr Fixed · P&I · Investor · 80–90% LVR 6.84 7.04 +0.20 2yr Fixed · Interest Only · Investor · ≤80% LVR 6.58 6.78 +0.20 2yr Fixed · Interest Only · Investor · 80–90% LVR 6.86 7.06 +0.20 3yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.36 6.54 +0.18 3yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.63 6.81 +0.18 3yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.02 7.20 +0.18 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.50 6.67 +0.17 3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.77 6.95 +0.18 3yr Fixed · P&I · Investor · ≤80% LVR 6.62 6.80 +0.18 3yr Fixed · P&I · Investor · 80–90% LVR 6.89 7.07 +0.18 3yr Fixed · Interest Only · Investor · ≤80% LVR 6.64 6.82 +0.18 3yr Fixed · Interest Only · Investor · 80–90% LVR 6.91 7.09 +0.18 4yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.45 6.60 +0.15 4yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.71 6.86 +0.15 4yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.05 7.21 +0.16 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.61 6.77 +0.16 4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.88 7.04 +0.16 4yr Fixed · P&I · Investor · ≤80% LVR 6.69 6.85 +0.16 4yr Fixed · P&I · Investor · 80–90% LVR 6.95 7.11 +0.16 4yr Fixed · Interest Only · Investor · ≤80% LVR 6.71 6.87 +0.16 4yr Fixed · Interest Only · Investor · 80–90% LVR 6.98 7.13 +0.15 5yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.49 6.63 +0.14 5yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.75 6.89 +0.14 5yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.05 7.19 +0.14 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.69 6.83 +0.14 5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.95 7.09 +0.14 5yr Fixed · P&I · Investor · ≤80% LVR 6.73 6.86 +0.13 5yr Fixed · P&I · Investor · 80–90% LVR 6.98 7.12 +0.14 5yr Fixed · Interest Only · Investor · ≤80% LVR 6.75 6.89 +0.14 5yr Fixed · Interest Only · Investor · 80–90% LVR 7.01 7.15 +0.14 - Tiimely Offset Home Loan45 variants up 0.01 to 0.115 days after the RBA rise to 4.60%+0.01 to +0.11
1yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.24 6.25 +0.01 1yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.53 6.54 +0.01 1yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.02 7.03 +0.01 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.29 6.30 +0.01 1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.58 6.59 +0.01 1yr Fixed · P&I · Investor · ≤80% LVR 6.53 6.54 +0.01 1yr Fixed · P&I · Investor · 80–90% LVR 6.81 6.82 +0.01 1yr Fixed · Interest Only · Investor · ≤80% LVR 6.53 6.54 +0.01 1yr Fixed · Interest Only · Investor · 80–90% LVR 6.82 6.83 +0.01 2yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.29 6.30 +0.01 2yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.57 6.58 +0.01 2yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.00 7.01 +0.01 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.38 6.39 +0.01 2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.66 6.67 +0.01 2yr Fixed · P&I · Investor · ≤80% LVR 6.56 6.57 +0.01 2yr Fixed · P&I · Investor · 80–90% LVR 6.83 6.84 +0.01 2yr Fixed · Interest Only · Investor · ≤80% LVR 6.57 6.58 +0.01 2yr Fixed · Interest Only · Investor · 80–90% LVR 6.85 6.86 +0.01 3yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.31 6.36 +0.05 3yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.58 6.63 +0.05 3yr Fixed · P&I · Owner-occupier · 90–95% LVR 6.96 7.02 +0.06 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.44 6.50 +0.06 3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.71 6.77 +0.06 3yr Fixed · P&I · Investor · ≤80% LVR 6.56 6.62 +0.06 3yr Fixed · P&I · Investor · 80–90% LVR 6.83 6.89 +0.06 3yr Fixed · Interest Only · Investor · ≤80% LVR 6.58 6.64 +0.06 3yr Fixed · Interest Only · Investor · 80–90% LVR 6.85 6.91 +0.06 4yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.35 6.45 +0.10 4yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.62 6.71 +0.09 4yr Fixed · P&I · Owner-occupier · 90–95% LVR 6.96 7.05 +0.09 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.52 6.61 +0.09 4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.79 6.88 +0.09 4yr Fixed · P&I · Investor · ≤80% LVR 6.60 6.69 +0.09 4yr Fixed · P&I · Investor · 80–90% LVR 6.86 6.95 +0.09 4yr Fixed · Interest Only · Investor · ≤80% LVR 6.62 6.71 +0.09 4yr Fixed · Interest Only · Investor · 80–90% LVR 6.88 6.98 +0.10 5yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.38 6.49 +0.11 5yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.64 6.75 +0.11 5yr Fixed · P&I · Owner-occupier · 90–95% LVR 6.94 7.05 +0.11 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.58 6.69 +0.11 5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.84 6.95 +0.11 5yr Fixed · P&I · Investor · ≤80% LVR 6.62 6.73 +0.11 5yr Fixed · P&I · Investor · 80–90% LVR 6.87 6.98 +0.11 5yr Fixed · Interest Only · Investor · ≤80% LVR 6.64 6.75 +0.11 5yr Fixed · Interest Only · Investor · 80–90% LVR 6.90 7.01 +0.11
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.
Also from Tiimely Home: Tiimely Basic Home Loan 6.30%
As of 15 October 2026, the Tiimely Home Tiimely Offset Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.46% (6.29% advertised), ranking 39th of 91 variable owner-occupier P&I loans and sitting 0.08 points below the market average of 6.54%. The product comes in 66 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.