Home News New Tiimely cashback offer - how to get $2,000

New Tiimely cashback offer - how to get $2,000

Tiimely, a digital lender backed by Bendigo and Adelaide Bank, is offering $2,000 cashback to borrowers fixing their home loans for two years.

By Denise Raward

First published on 01 Apr 2025

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New Tiimely cashback offer - how to get $2,000

Tiimely Home, formerly Tic:Toc, launched the new deal in the wake of Tuesday's Reserve Bank of Australia decision to hold the cash rate at 4.10% at its April meeting.

The cashback deal is available to borrowers taking up a two-year fixed rate home loan of 5.74% p.a. (5.79% p.a. comparison rate*) for owner occupiers and 5.94% p.a. (6.03% p.a. comparison rate*) for investors.

It applies to loans of $500,000 or more with loan-to-value ratios (LVRs) up to 90%.

Tiimely, backed by Bendigo and Adelaide Bank, joins around a dozen or so lenders currently offering cashback and other special offer deals.

How does Tiimely's cashback deal stack up?

Tiimely's cashback offer is the only one on the market that specifically applies to borrowers taking up a fixed rate home loan.

It is also the only one that applies to borrowers with an LVR over 80%.

Other cashback amounts on the market range from $2,000 to $4,000 depending on various factors including whether an applicant is refinancing an existing loan, the loan size, and loan type.

Bank of Victoria varies its cashback offer according to occupation - $3,000 for police and emergency service officers and $2,000 for health workers.

The highest cashback amount currently available is $4,000 from Regional Australia Bank for eligible borrowers refinancing owner occupier and investor home loans over $750,000.

IMB Bank also offers $4,000 for loan amounts over $1 million.

Why take up a fixed rate home loan when rates are expected to fall?

Despite the cashback, Tiimely may find it hard to sell its offer at a time when interest rates are widely expected to fall.

The 5.74% p.a. fixed rate offer is the same as Tiimely's lowest variable rate for owner occupiers.

But Tiimely's head of retail Belinda Jackson says the offer is responding to growing borrower fatigue over economic uncertainty and mixed signals around the pace and depth of future RBA rate cuts.

"People are tired of waiting and wondering," she said. "This offer delivers clarity, stability and cash in your pocket - right now."

While RBA governor Michele Bullock attempted to hose down expectations of further cuts after the cash rate fell in February, markets have gained confidence there will be another two to three cuts in 2025.

After Tuesday's cash rate decision, Ms Bullock also signalled the board would cut the cash rate if US President Donald Trump's trade tariffs were to spark a global economic slowdown.

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Buying a home or looking to refinance? The table below features home loans with some of the lowest interest rates on the market for owner occupiers.

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Row Tags	Features	Link	Compare	Promoted Product	Disclosure
loans.com.au	loans.com.au Variable Home Loan P&I <90%	5.79% p.a.	5.83% p.a.	$2,931	Principal & Interest	Variable	$0	$530	90%	Owner Occupier Variable Principal & Interest 10% Min Deposit Redraw Extra Repayments More details	Available for purchase or refinance, min 10% deposit needed to qualify. No application, ongoing monthly or annual fees. Quick and easy online application process.	More details	Compare	Promoted	Disclosure
Unloan	Unloan Variable Rate Home Loan LVR < 80%	5.74% p.a.	5.65% p.a.	$2,915	Principal & Interest	Variable	$0	$0	80%	100% owned by Commbank Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw More details	No application or ongoing fees. Annual rate discount Unlimited redraws & additional repayments. LVR <80% A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.	More details	Compare	Promoted	Disclosure
Ubank (part of NAB)	Ubank (part of NAB) Flex variable home loan - 100% offset	5.84% p.a.	6.08% p.a.	$2,947	Principal & Interest	Variable	$250	$250	60%	100% offset Owner Occupier Variable Principal & Interest 40% Min Deposit Offset Redraw More details	Easy application. Fast approval. 100% offset. Unlimited additional repayments free of charge. Redraw available - Access additional payments.	More details	Compare	Promoted	Disclosure

Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of . View disclaimer.

Important Information and Comparison Rate Warning

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Denise Raward

Denise Raward is a senior journalist with an interest in macroeconomics, property, and personal finances. She has worked extensively across mainstream media organisations and lectured at Queensland University of Technology, Griffith University, and Bond University. She holds a Bachelor of Business - Communication, a Master of Arts, and RG 146 financial certification in Generic Knowledge, Securities, and Regulation. Joining Savings.com.au in January 2024, Denise strives to deliver financial information in everyday language to help Australians to better understand how to manage their own – and their families' – ongoing financial health.

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Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

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We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

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Rates and product information should be confirmed with the relevant credit provider. For more information, read Savings.com.au’s Financial Services and Credit Guide (FSCG).

New Tiimely cashback offer - how to get $2,000

How does Tiimely's cashback deal stack up?

Why take up a fixed rate home loan when rates are expected to fall?

Ready, Set, Buy!

Denise Raward

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