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Tiimely Offset Home Loan
Tiimely Offset Home Loan is a home loan. The figures are the ones Tiimely Home publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 5.95% to 6.20%.
Advertised rate
6.20%
headline tier
Comparison rate
6.37%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 5.95% and 6.20% over the last 30 days.
Every current rate (66)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 50% | 6.20% | 6.37% |
| Variable, Owner occupier, P&I, LVR 50 to 60% | 6.20% | 6.37% |
| Variable, Owner occupier, P&I, LVR 60 to 70% | 6.29% | 6.46% |
| Variable, Owner occupier, P&I, LVR 70 to 80% | 6.29% | 6.46% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 80% | 6.49% | 6.48% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 80% | 6.49% | 6.50% |
| Variable, Investor, P&I, LVR up to 50% | 6.52% | 6.68% |
| Variable, Investor, P&I, LVR 50 to 60% | 6.52% | 6.68% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80% | 6.59% | 6.54% |
| Variable, Investor, P&I, LVR 60 to 70% | 6.59% | 6.75% |
| Variable, Investor, P&I, LVR 70 to 80% | 6.59% | 6.75% |
| Variable, Owner occupier, P&I, LVR 80 to 90% | 6.59% | 6.75% |
| Fixed 1 year, Investor, P&I, LVR up to 80% | 6.64% | 6.76% |
| Fixed 2 years, Investor, P&I, LVR up to 80% | 6.64% | 6.76% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 90% | 6.69% | 6.76% |
| Fixed 1 year, Owner occupier, P&I, LVR 90 to 95% | 6.69% | 7.25% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 90% | 6.69% | 6.77% |
| Fixed 2 years, Owner occupier, P&I, LVR 90 to 95% | 6.69% | 7.21% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 80% | 6.69% | 6.60% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80% | 6.69% | 6.63% |
| Fixed 1 year, Investor, Interest only, LVR up to 80% | 6.74% | 6.77% |
| Fixed 2 years, Investor, Interest only, LVR up to 80% | 6.74% | 6.78% |
| Fixed 3 years, Investor, P&I, LVR up to 80% | 6.74% | 6.80% |
| Variable, Investor, Interest only, LVR up to 50% | 6.77% | 6.78% |
| Variable, Investor, Interest only, LVR 50 to 60% | 6.77% | 6.78% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 90% | 6.79% | 6.81% |
| Fixed 3 years, Owner occupier, P&I, LVR 90 to 95% | 6.79% | 7.20% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90% | 6.84% | 7.05% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90% | 6.84% | 7.04% |
| Fixed 3 years, Investor, Interest only, LVR up to 80% | 6.84% | 6.82% |
| Fixed 4 years, Investor, P&I, LVR up to 80% | 6.84% | 6.85% |
| Fixed 5 years, Investor, P&I, LVR up to 80% | 6.84% | 6.86% |
| Variable, Investor, Interest only, LVR 60 to 70% | 6.84% | 6.85% |
| Variable, Investor, Interest only, LVR 70 to 80% | 6.84% | 6.85% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 90% | 6.89% | 6.86% |
| Fixed 4 years, Owner occupier, P&I, LVR 90 to 95% | 6.89% | 7.21% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90% | 6.89% | 6.89% |
| Fixed 5 years, Owner occupier, P&I, LVR 90 to 95% | 6.89% | 7.19% |
| Variable, Investor, P&I, LVR 80 to 90% | 6.89% | 7.05% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90% | 6.94% | 7.05% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90% | 6.94% | 7.06% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90% | 6.94% | 7.07% |
| Fixed 4 years, Investor, Interest only, LVR up to 80% | 6.94% | 6.87% |
| Fixed 5 years, Investor, Interest only, LVR up to 80% | 6.94% | 6.89% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80% | 6.99% | 6.53% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80% | 6.99% | 6.59% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90% | 7.04% | 7.09% |
| Fixed 4 years, Investor, P&I, LVR 80 to 90% | 7.04% | 7.11% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90% | 7.04% | 7.12% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80% | 7.09% | 6.67% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 90% | 7.14% | 7.13% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90% | 7.14% | 7.15% |
| Variable, Investor, Interest only, LVR 80 to 90% | 7.14% | 7.15% |
| Variable, Owner occupier, P&I, LVR 90 to 95% | 7.14% | 7.30% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 90% | 7.19% | 6.81% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 90% | 7.19% | 6.87% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 80% | 7.19% | 6.77% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80% | 7.19% | 6.83% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 90% | 7.29% | 6.95% |
| Variable, Owner occupier, Interest only, LVR up to 50% | 7.32% | 6.84% |
| Variable, Owner occupier, Interest only, LVR 50 to 60% | 7.32% | 6.84% |
| Fixed 4 years, Owner occupier, Interest only, LVR 80 to 90% | 7.39% | 7.04% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 90% | 7.39% | 7.09% |
| Variable, Owner occupier, Interest only, LVR 60 to 70% | 7.39% | 6.92% |
| Variable, Owner occupier, Interest only, LVR 70 to 80% | 7.39% | 6.92% |
| Variable, Owner occupier, Interest only, LVR 80 to 90% | 7.69% | 7.23% |
Rate moves, last 30 days
- 9 October 2026: 20 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR 50 to 60%, from 5.95% to 6.20%.
Published fees
| Fee | Amount |
|---|---|
| Establishment Feeupfront | $0 |
| Application Feeupfront | $0 |
| Security Processing Feeupfront | $0 |
| Settlement Service Feeupfront | $0 |
| Monthly Service Feerecurring | $15 |
| Bank Cheque Feewhen it happens | $10 |
| Online Redraw Feewhen it happens | $0 |
| Manual Redraw Feewhen it happens: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | $0 |
| Duplicate Feewhen it happens | $16.50 |
| Default Feewhen it happens | $35 |
| Variation Feewhen it happens | $250 |
| Discharge Administration Feeon exit | $350 |
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