This was posted 4 months 14 days ago, and might be an out-dated deal.

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5.74% p.a. 2-Year Fixed Rate P&I Live-in Home Loan (5.79% p.a. CR) + $2000 Cashback on Minimum $500,000 Loan @ Tiimely Home

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5.74% p.a. 2-Year Fixed Rate P&I Live-in Home Loan (5.79% p.a. CR) + $2000 Cashback on Minimum $500,000 Loan @ Tiimely Home
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MarketingTiimely Home on 02/04/2025 - 13:57 tiimelyhome.com.au (158 clicks)
Last edited 02/04/2025 - 14:05 by 1 other user

Lock in a sharp 2-year fixed from 5.74%p.a. (5.79%p.a. CR) and get $2,000 CASHBACK with Tiimely Home.

Lock in an Owner-Occupier Principal & Interest 2-year fixed rate of 5.74% (5.79%p.a. CR), and Tiimely Home will give you $2,000 cashback.

We are also making the cashback available for our Investor 2-year P&I fixed rate.

It’s a smart, simple win in a complex market. T&C’s and eligibility criteria apply.

To be eligible for the cashback offer, you’ll need to meet the following terms and conditions:

Tiimely Home 2 yr Fixed Cashback Campaign:

  • Apply and be approved for a loan during promotion period 1st April 2025 and 31 May 2025 (‘promotional period’) and settle by 30 June 2025 to receive $2,000 cashback.
  • Applications for a Tiimely Own loan are subject to credit criteria and terms and conditions, fees and charges, and other eligibility criteria apply
  • Offer is available to eligible Owner Occupied and Investment customers purchasing a property or refinancing from another financial institution.
  • Minimum loan amount $500K.
  • This offer is only available per loan (not per applicant).
  • The Cashback will be credited to your nominated bank account (with the same name as the applicant (s) within 45 days of settlement - subject to prior and timely receipt of bank account details.
  • To be eligible for a cashback, your bank account details must be received by Tiimely Home within 30 days of settlement
  • Any cashbacks not received due to incorrect account information provided by an applicant will not be compensated or re-issued.
  • The terms and conditions of this offer may change or be withdrawn without prior notice. Excludes refinance of existing Tiimely Own home loans.
Q&A

When do I have to apply to get the cashback?

The promotion period starts on 1st April 2025 and ends on 31 May 2025 and your loan must settle by 30th June. (offer subject to termination or change without prior notice).

  • To be eligible for a cashback, your bank account details must be received by Tiimely Home within 30 days of settlement

  • The Cashback will be credited to your nominated bank account (with the same name as the applicant (s) within 45 days of settlement - subject to prior and timely receipt of bank account details.

  • Any cashbacks not received due to incorrect account information provided by an applicant will not be compensated or re-issued.

Can I get the cashback if I’m refinancing?
Yes, if you’re refinancing from another financial institution to Tiimely Home and you meet the terms and conditions outlined above, you can get the cashback.

Can I get the cashback if I’m refinancing an existing Tiimely Own home loan?
The cashback does not apply for refinancing an existing Tiimely Own home loan.

Can I get the cashback if I’m purchasing a new home?
Yes. If your property is eligible and you meet the other terms and conditions outlined above, you can get the cashback.

Can I get the cashback if I’m purchasing an investment property?
Yes, you can get the cashback if you’re purchasing an eligible investment property, and meet the terms and conditions outlined above. Find out more about our eligibility criteria.

Can my partner and I both get the cashback?
The cashback promotion applies to each loan application, not to each individual loan applicant.

For more answers to your questions, visit our website

Australian credit licence 496431

Referral Links

Referral: random (32)

$300 Prezzee gift card each for new Tiimely Own home loan customer & referrer. Referee must settlement home loan within 6 months of application.

Terms & conditions

Financial Cashback Home Loan Loan

Related Stores

Tiimely Home
Tiimely Home

closed Comments

  • awesomise on 02/04/2025 - 14:01
    +8

    Macquarie bank's doing 5.39% fixed, without looking too hard into it.

    • netjock on 02/04/2025 - 15:28

      This might actually be a decent deal.

      Markets predicting the RBA will settle at 3.1% in 2026 which is 1% lower than it is now. Whether or not banks will pass all that on is a question.

  • Dyl on 02/04/2025 - 14:04
    +1

    HUGE

    It asks me to log into my bank accounts, who can access / view the provided data?

    Neg as they put the rate for existing customers up and refuse to match the new advertised rates. More a warning that you'll have to churn out instantly after the 2 years, so factor in any fees for another loan / exit fees / etc to determine if the $2k is worth it.

    • soan papdi on 02/04/2025 - 14:13

      It asks me to log into my bank accounts, who can access / view the provided data?

      I chose to send PDFs. It was slower but still worked okay.

      refuse to match the new advertised rates

      I came off a low fixed rate in March and my variable after was higher than what was advertised . One call and they dropped the rate to the advertised numbers

      Not to discount your experience but the opposite has happened as well.

      • Dyl on 02/04/2025 - 14:14
        +1

        Glad to hear they've changed on matching advertised rates, previous deals many complained about this. They were previously known as Tic:Toc, there's a graph somewhere on an old deal showing how much they upped existing customer rates vs new offers. It was insanely bad.

    • twitch1979 on 02/04/2025 - 14:16

      Agree - I singed up back when they were called Tic:Toc and recall their old marketing was about 1 great rate for old and new but with the rebranding to Tiimely also came this 2 tier model of lower rates for new customers.

      On iOS at least, they currently don't have a banking app as the Adelaide bank one they ask you to use, is offline while it gets resigned.
      They also don't support OSKO which seems crazy for any bank not to have.

      • Dyl on 02/04/2025 - 14:18
        +1

        Back when they were Tic:Toc they still upped rates for existing customers, there was a graph posted a few years ago. Some customers were like 1% higher than the advertised rates.

        They appear to not publish the graphs anymore

      • sghetti on 02/04/2025 - 14:58
        +1

        Currently on 5.69% with them after the rate drop. The process was incredibly fast by allowing them to pull down the transaction information from credit cards etc. most of it is all auto decisioned.

        Their internet banking is very clunky, and no mobile app. But I got around the no OSKO by linking the debit card with the offset account to BEEM, does instant transfers via the EFTPOS network for lower amounts for quick transfers.

  • Snoop on 02/04/2025 - 14:04
    +4

    Is fixing your loan a good idea at the moment?
    (Asking for a friend that's just moved here… from Mars! 🤦🏽‍♂️)

    • awesomise on 02/04/2025 - 14:28
      +11

      The ASX future derivative market is pricing in about 3 rate cuts by the end of the year, whether or not it'll happen remains to be seen, but that's what the big money's guessing. This website might be useful for you: https://www.asx.com.au/markets/trade-our-derivatives-market/…. It's a quite complicated financial instrument but basically implied yield now is 4.085, yield by Dec 25 is 3.39, hence betting reduction of 69.5 bp by Dec 25, or about 3x 25bp cuts.
      If you wanna work out when the next rate cut might be, just take 0.25 off of 4.085, which is 3.83, July 25.

      • Snoop on 02/04/2025 - 14:36

        @awesomise, Thanks for your response, brief analysis, and link.
        However, my comment was actually in jest. Hence the 'Mars' reference. (You'd have to be from another planet to not know which way the rates are predicted / expected to head.)

        • awesomise on 02/04/2025 - 14:39
          +4

          Sorry I didn't get the reference :( I'm not a native English speaker

          • ben200045 on 02/04/2025 - 18:07

            @awesomise: I very much appreciated the breakdown, so thank you nonetheless :)

      • liam2040 on 02/04/2025 - 23:58

        Nice to see an answer justified with stats rather than pub theory. Thank you mate.

  • Puska on 02/04/2025 - 14:10
    +2

    my variable loan is at 5.71% lol (70% LVR)

    • Captain Yobbo on 02/04/2025 - 14:38

      Noice, who's that with? My broker reckons best he can do at the moment is 5.74% + $3k cashback (ME Bank).

      • Puska on 03/04/2025 - 19:54
        +1

        Westpac, started at 5.96% before the recent rate cut

    • etan on 04/04/2025 - 14:47

      basic product without offset account?

      • Puska on 04/04/2025 - 19:04

        nope, got an offset with it

  • blitzn on 02/04/2025 - 14:13
    +2

    Very bad time to fix
    Stick to variable

  • ChickenAdobo on 02/04/2025 - 14:37

    Fix it next year at under 4.9%

    • blitzn on 02/04/2025 - 15:34
      +1

      Dont fix until you see 2.99 or less
      Interest will drop its not gling to be higherthan this.

  • BeefBiryani on 02/04/2025 - 14:37

    What's the minimum lvr?

  • jbvr on 02/04/2025 - 14:40
    +1

    I'm on 5.74% variable 80% LVR wtih ING. Seems a bad deal and a bad time to fix (unless maybe its under 5%)

  • WeatySmalls on 02/04/2025 - 15:07

    Don't bother with this mob. They entice with low rates for new customers and then when you're in for a bit they flog you higher rates than advertised to new customers.

    • The Aeon on 02/04/2025 - 21:37
      +1

      I'm not a supporter of this deal as i think there's better options but I've had no there's with Tiimely. I signed with them 3 years ago and am on a lower rate than their advertised rate, always have been. It's noted on my account as a loyalty discount. So i certainly can't say they lure you in only to up the rate, quite the opposite for me.

    • TheFreaK on 03/04/2025 - 10:21
      +1

      "low rates" /s

      • WeatySmalls on 03/04/2025 - 12:08

        Agreed, misspoke on the low rates!!

  • Varoufakis on 02/04/2025 - 15:09
    +2

    In what world could this be considered a good deal? Macquarie and multiple other banks are all offering 2 year fixed mortgages at well under this rate. There are even plenty of variable rate mortgages available at a better rate.

  • Loki556 on 02/04/2025 - 15:15
    +2

    I agree this is not a good deal.

    On the flip side, my experience with Tiimely over the last 3 years has been mostly positive.

  • ozgameboy on 02/04/2025 - 15:27

    I'm on 5.74% variable with offset and redraw. Need to pay 395 package fee each year though.

  • croccer on 02/04/2025 - 15:29
    +2

    5.74% with variable interest and redraw (Unloan). Why is fixed 5.74%? Not a deal.

  • pennypincha on 02/04/2025 - 15:58
    +4

    Err, sure. 5.74% fixed for 2 years when you can already get 5.64% variable on the open market and most analysts reckon there'll be 3+ rate cuts before the end of the year.
    https://www.money.com.au/home-loans
    No deal!

  • ab c on 02/04/2025 - 18:50

    Unloan: any bad experience ?

    Seems like LOWER-end interest rates (maybe ALL-loans?) allow lenders to discriminate interest-rates for customers @ lenders discretion: NEW vs existing. HIGHER rate for existing-customers, knowing that there're costs for changing lender: land-tittle registration fee, bank fees (mortgage-discharge etc)…especially with smaller loans?

    T&Cs fine-prints: how many borrowers have read it ?

    • Dyl on 04/04/2025 - 12:50

      Edit: replied to wrong comment

  • Trishool on 02/04/2025 - 23:58
    +2

    I don't trust any financial institution with a typo in its name.

  • Dyl on 04/04/2025 - 12:56

    Maybe sue Elon Mask for trademark infringement over xAI instead of posting crappy deals here? (They have a product called XAI Validate, existing before xAI)

  • Dyl on 10/04/2025 - 23:25

    https://web.archive.org/web/20211129183232/https://tictoc.co… Found the graph posted in the past, for some odd reason they no longer release these graphs publicly.

    Existing customers were as much as 1.2% higher rates back then

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