5.29% p.a. 2-Year Fixed Rate P&I Live-in Home Loan (5.50% p.a. CR) + $2000 Cashback on Minimum $500,000 Loan @ Tiimely Home

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Lock in a sharp 2-year fixed from 5.29%p.a. (5.50%p.a. CR) and get $2,000 CASHBACK with Tiimely Home.

Lock in an Owner-Occupier Principal & Interest 2-year fixed rate of 5.29% (5.50%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 18th June 2025 and 31 August 2025 (‘promotional period’) and settle by 30 September 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  • The terms and conditions of this offer may change or be withdrawn without prior notice.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 18th June 2025 and ends on 31 August 2025 and your loan must settle by 30th September (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

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Comments

  • +5

    Insane that anyone would want to fix their home loans now given the forecast of RBA decreasing rates, unless I'm missing something?

    P.s. link at the bottom of your ad 404's

  • Out of curiosity what the minimum refinance amount that other lenders usually allow, mine is under $200k so wouldn't qualify for this one

    • +1

      Why not refinance for more than what you have left owing and leave extra funds in offset? I did this with Up Bank recently, and their variable rate is 5.50% CR, with expectation of further rate cuts by RBA.

    • +2

      It used to be $250k everywhere, some years back when these offers were common

  • +3

    Nobody should be fixing.

    5.50% p.a. CR

    That's not competitive, you can get less than this for variable, and there will be further rate cuts throughout this year and next. Wait. Even when considering $2K cashback you'll be worse off.

    • -2

      It's pretty commonly known that the comparison rate is now pretty useless for comparison: it assumes a tiny mortgage, assumes you never refinance (so a 1 year 5% fixed rate with 24 years 7% variable has a near 7% CR), etc. It's good for hinting at other charges and what the rate is.

      Of 100 Australian banks, a handful are offering 5.5% variable. It looks like Timely offers 5.54% variable.

      Many people are having mortgage stress and may need to lock in a lower payment now. "There will be further cuts" is a good, educated guess - and may be wrong or much slower than expected.

      Many people should stick with variable rates (fixing means you get some safety/consistency but the bank accounts for that and charges you for it). Not everybody can.

      "Nobody should be fixing" is internet-speak, black/white hyperbole.

  • +3

    "Sharp"? What rubbish!
    It's barely cheaper than the variable rate (with package discount) and rates are trending downward. One rate cut will bring this to break even, two cuts will make it in your favour. And we're trending downward (or certainly not upward)

    Get out of here.

  • +2

    Why fix? RBA will do 3 or more cuts this year and more cuts next year, you will still worse off even with that $2,000 cash back.

    Only Dumb and Dumbler will take fixed rate on this economic climate.

  • +5

    This is a crazy proposition considering the Big 4 are forecasting multiple rate cuts between now & December next year. $2k cashback is also pretty paltry.

    This rep has negs for most deals which says a lot. Say no to shitty ads on Ozbargain!

  • +1

    Horrible 'deal'. They also jack up your rates above the advertised variable when you roll off fixed.

  • +1

    As a Finance broker, I can assure people this is not a 'deal' but rather an 'advertisement'. Do your own research with a broker of course, but the way the market is going I can't see why anyone would lock in at this rate given there are variable rates in the market already the same and better in the market. Shame to see these adds on Ozbargain these days, often from the same people.

  • +1

    Don't lock in now, most likely more rate cuts to come.

    This isn't a bargain. Just another OzFreeAd.

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