Tiimely Offset Home Loan

For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.

From (owner occupied): 5.95%; 6.12% comparison

Interest Rates

Owner occupied — Principal & interest

Type	Rate	Comparison	Applies To
Variable	5.95%	6.12%	LVR ≤50%
Variable	5.95%	6.12%	LVR 50.01–60%
Variable	6.04%	6.21%	LVR 60.01–70%
Variable	6.04%	6.21%	LVR 70.01–80%
Variable	6.34%	6.51%	LVR 80.01–90%
Fixed · 1 year	6.39%	6.24%	LVR ≤80%
Fixed

Fees

Fee	Type	Amount
Establishment Fee	Upfront	$0.00
Application Fee	Upfront	$0.00
Security Processing Fee	Upfront	$0.00
Settlement Service Fee	Upfront	$0.00
Monthly Service Fee Charged monthly	Ongoing	$15.00
Bank Cheque Fee	Event	$10.00
Online Redraw Fee	Event	$0.00
Manual Redraw Fee Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking	Event	$0.00
Duplicate Fee

Features

Offset account: Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for Tiimely Home Loans must be in the same customer number as the home loan.
Redraw facility: Manual & Online redraw available
Monthly repayments
Extra repayments: Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans

Eligibility

Minimum age — 18 years
Credit and Lending Criteria, Fees and Charges Apply

Constraints

Minimum limit — $150,000.00
Maximum LVR — 95%

More Information

Published by Tiimely Home under the Consumer Data Right · Last updated 16 July 2026 · Product ID 08e18ffd-4d24-4b69-8fbe-c01bdd65cc7f · View on CDR.gov.au · View Source Data (JSON)

Type	Rate	Comparison	Applies To
Fixed · 1 year	6.89%	6.29%	LVR ≤80%
Fixed · 3 years	6.89%	6.44%	LVR ≤80%
Fixed · 2 years	6.94%	6.38%	LVR ≤80%
Fixed · 4 years	6.94%	6.52%	LVR ≤80%
Fixed · 5 years	6.94%	6.58%	LVR ≤80%
Variable	7.07%	6.59%	LVR ≤50%
Variable	7.07%	6.59%	LVR 50.01–60%
Fixed · 1 year	7.09%	6.58%	LVR 80.01–90%
Fixed · 3 years	7.09%	6.71%	LVR 80.01–90%
Variable	7.14%	6.67%	LVR 60.01–70%
Variable	7.14%	6.67%	LVR 70.01–80%
Fixed · 2 years	7.14%	6.66%	LVR 80.01–90%
Fixed · 4 years	7.14%	6.79%	LVR 80.01–90%
Fixed · 5 years	7.14%	6.84%	LVR 80.01–90%
Variable	7.44%	6.97%	LVR 80.01–90%

Type	Rate	Comparison	Applies To
Variable	6.27%	6.44%	LVR ≤50%
Variable	6.27%	6.44%	LVR 50.01–60%
Variable	6.34%	6.51%	LVR 60.01–70%
Variable	6.34%	6.51%	LVR 70.01–80%
Fixed · 1 year	6.54%	6.53%	LVR ≤80%
Fixed · 3 years	6.54%	6.56%	LVR ≤80%
Fixed · 2 years	6.59%	6.56%	LVR ≤80%
Fixed · 4 years	6.59%	6.6%	LVR ≤80%
Fixed · 5 years	6.59%	6.62%	LVR ≤80%
Variable	6.64%	6.8%	LVR 80.01–90%
Fixed · 1 year	6.74%	6.81%	LVR 80.01–90%
Fixed · 3 years	6.74%	6.83%	LVR 80.01–90%
Fixed · 2 years	6.79%	6.83%	LVR 80.01–90%
Fixed · 4 years	6.79%	6.86%	LVR 80.01–90%
Fixed · 5 years	6.79%	6.87%	LVR 80.01–90%

Type	Rate	Comparison	Applies To
Variable	6.52%	6.53%	LVR ≤50%
Variable	6.52%	6.53%	LVR 50.01–60%
Variable	6.59%	6.6%	LVR 60.01–70%
Variable	6.59%	6.6%	LVR 70.01–80%
Fixed · 1 year	6.64%	6.53%	LVR ≤80%
Fixed · 3 years	6.64%	6.58%	LVR ≤80%
Fixed · 2 years	6.69%	6.57%	LVR ≤80%
Fixed · 4 years	6.69%	6.62%	LVR ≤80%
Fixed · 5 years	6.69%	6.64%	LVR ≤80%
Fixed · 1 year	6.84%	6.82%	LVR 80.01–90%
Fixed · 3 years	6.84%	6.85%	LVR 80.01–90%
Variable	6.89%	6.9%	LVR 80.01–90%
Fixed · 2 years	6.89%	6.85%	LVR 80.01–90%
Fixed · 4 years	6.89%	6.88%	LVR 80.01–90%
Fixed · 5 years	6.89%	6.9%	LVR 80.01–90%