Tiimely Home

This is the WORST BANKING APP I HAVE EVER USED!!!!! Since the Adelaide Bank transition, there is no online banking website option, there is no way to see Tiimely accounts and Bendigo accounts in one place, there is no way to download CSV transaction files to a computer, the bank statements come at an unknown frequency, it is now 6 April 2026 and… Read more

I haven't had one since 31 December 2025, there is no way to change the frequency of the bank statements (I have searched everywhere on the app), and the chat function on the app doesn't work properly (i.e. when you open a new chat, the only way to start a conversation is to send an image because when you type a message, the keyboard comes up and doesn't disappear and you can't press the send button). I have logged several complaints since the transition last year, and while all have been "responded" to, there have been zero that have been "resolved". This is the worst banking experience I have ever had in Australia. I am going to try to go through a complete refinancing process with all the documentation etc involved, just so I can avoid this app. It is completely not functional for anyone that needs to use banking records for any kind of tax records or other administrative records. The Bendigo App and online banking for my other account is sooooooooo much better! It makes me feel like I am a second class citizen just for this one loan and account, but I pay all the same fees and interest rates etc on both. If you are a potential new client, please avoid this product, as you will regret it, because it is completely unusable for anything other than basic payments.

I’ve been with Tiimley/TicToc for several years. Initially they were good but (as other reviewers have mentioned) soon interest rates creep up and up and you will have no luck trying to negotiate a better rate (such as their new-customer rate that is advertised on their website). Since December 2025 they don’t have web-based internet banking, only… Read more

a poorly designed phone app that doesn’t provide much functionality. For example, there is no ability to download transaction details for tracking expenses in any useful format like a csv file. Customer service is extremely slow and you get transferred around different people without any progress being made. Trying to refinance away from Tiimley results in extended delays – so far 40 days since the request to re-finance was sent to tiimley and they still haven’t actioned that request – it looks like they are dragging their feet to keep a grip on the trailing commission for as long as possible. Most of the reviews on this platform only relate to the experience of signing up to a new loan or are from before December 2025, when the customer experience dramatically declined. Check recent ratings from existing customers.

A shout out to Sam Kapoor who helped me refinance my mortgage. I was incredibly fortunate to work with him from start to finish, he made what could have been a stressful experience remarkably smooth. He took the time to understand my financial situation and worked around it and presented plenty of suitable options explaining the pros and cons of… Read more ·  1

each. I never felt rushed or pressured, and he patiently answered all my questions, no matter how big or small and was available everytime I called. Thank you Sam and thank you Tiimely.

I recently use Tiimely Mortgage broker Sam kapoor to help with my investment property loan. The process and communication was great. I learned a lot during the process. Would definitely recommend for any home loan needs. Show details ·  1

As a FTHB, Veronica Foreman went above and beyond to address all of my inquiries. Extremely knowledgeable about the entire process, and well-spoken. Great stuff! Show reply

Timely (previously tic toc) seems to be either going out of business or winding down. They have forced all of us mortgage holders onto an unbelievably insecure app (there is no web portal to access our banking anymore). The app has only one numerical code, and anyone with access can access all of our banking info, including initiating transfers… Read more

with no secondary authentication mechanism.

There is no way to enable notifications for transactions.

There is no way to log out without going through a whole identity verification process again.

This means anyone that gets access to the phone and in any way (visually, through hacking) accesses your code can steal all your funds.

It is ridiculously unprofessional, and their customer support does not seem to be doing anything to rectify the issue.

There is an idea that 'The purpose of a system is what it does'. In that case, the purpose of Tiimely's retention team is to waste their customers' time and push them to competitors while maintaining the pretence of helping. I applied for a new loan with Tiimely ~2 years ago, and the process was relatively pain-free. But once you're locked into… Read more

their system, the mask comes off completely.

Tiimely's business model appears to be: attract customers with competitive offerings, then treat existing customers appallingly once they're trapped in the system.

When I enquired about refinancing at a lower rate, I was initially treated with what seemed like a genuine attempt to help. They reached out claiming they wanted to help review my rate and could potentially lower it.

The problems started immediately. They asked me to research competitor rates myself, claiming that they only did this "in case I had a special rate they didn't have access to". Then they systematically rejected every single rate I provided using increasingly bizarre criteria. They claimed certain products weren't "like-for-like" despite offering identical functionality.

When I pointed out contradictions in their logic, they simply refused to engage honestly and started giving me rudely brief replies. They claimed to have comprehensive market data but wouldn't use it to make competitive offers, because it was an "internal document" (then why mention it in the first place?). After 11 emails back and forth, their final answer was "we won't help you, try again and hope for an RBA cut" (which is not a rate reduction, all ethical lenders pass on RBA cuts).

Their retention team appears trained in creative excuse-making rather than actual problem-solving. The entire process felt deliberately designed to frustrate customers into giving up rather than genuinely trying to help them lower their rates. Why even waste a customer's time in the first place? Literally just saying "no, we can't help" would have been better than pretending that they could help and then proceeding to waste their customer's time.

If you value being treated with basic respect as an existing customer, avoid Tiimely. Their retention process seems purpose-built to drive customers to competitors whilst maintaining plausible deniability.

p.s. my LVR is <40%, I have perfect credit, and have never missed a repayment - so this treatment wasn't due to me being a "risky customer".

Was very happy with them as they offered better rates than others at the same time was excited to try their app when they were launching it, to find out they have got rid of web portal to access loan details. Please bring web portal access back!. Statements are now only available on app and if you or anyone has the link to the statement they can… Read more

easily access that on another product of Adelaide Bendigo bank Up.com.au. Seem like some manager decided to cut costs without consulting knowledgeable IT professionals! Please bring back web portal with proper security. Thanks

Dear Timely Home Team, I would like to commend Sam Kapoor for his exceptional service. While constructing a house on Kangaroo Island, I encountered significant challenges with a broker who let me down at the last minute. In my moment of need, I contacted Timely Home and was fortunate to connect with Sam Kapoor. He went above and beyond to… Read more ·  1

assist me during this highly stressful time in my life.

Unfortunately, I ultimately had to sign with another bank that could meet the settlement requirements in line with my building contract. Despite this, I will definitely recommend Sam to my friends and family in the future.

Sincerely, Vanessa Wilson

The Tiimely Home team provided an amazing mortage broker experience for us. We'd done our research and wanted a broker to handle dealing with the bank and conveyancers, which Tiimely did in a prompt and professional manner. Our broker Veronica was always quick to respond and handled securing an Off-the-plan build home loan with our preferred bank perfectly, taking the stress out of the biggest purchase we've ever made. Show details ·  1

Sam was amazing to deal with, his communication and dedication to get a solution for me would top class. Highly recommend him and Timely. Will most definitely use again. Show details ·  1

Veronica has been nothing short of amazing. Her help and knowledge put us at ease, knowing that there was nothing to worry about and she was on top of it all. Made a very stressful time in our life a little more manageable. Show details ·  1

Sam is very quickly respond to my inquiries regarding home loans or investment loans. He helped to understand the process and what are expectations through my re-financing process. He always keep me updated when the next step is. I would recommend Sam if you are finding a broker to help you with you home loans. Show reply

I recently used Timely Homes to get a home loan. The service I received from Sam was fantastic. He was very efficient in all aspects of the loan application and approval process and kept me well informed. I would highly recommend Sam to anyone looking to apply for a home loan. Show reply

Cheap loans and nice people but geez Timely's systems needs an upgrade. For example, if you accidentally make a payment into the wrong account, your money will not be able to be redrawn, but that is no use if you need the money now. Furthermore whether you are a month ahead or two weeks behind, your account balance shows up as $0.00. It makes it… Read more

very difficult to know your true financial position and easy to make mistakes, which you then need to spend Timely's staff time and your own, correcting.

There is also no Pay ID feature and transfers in and out take at least two days, it makes staying up to date very difficult.

The international transfer system also needs to advise you to find out the fees of the bank you are transferring too, it is an easy trap for new players not to know and have it deducted from the amount that is supposed to go to the merchant.

Finally the phone music while you are waiting for service, which can be quite a while and features regular stops with somebody telling you that your call is being waited for, is maddeningly repetitive.

Very quick turnaround, excellent communication I knew what was happening every step of the way, hassle free and a great home lean agreement at the end of it. Very happy with the product and the process, highly recommend. Show reply

Stay away. - poor experience – Start to finish - No digital experience. No option to add mixed income. Such a shame!! Have to exchange documents externally after supplying details and documents. Every time agent keeps asking different documents instead of one request. Looks like [Name Removed] doesnt have enough experience dealing clients with proper documentation. it took… Read more

5-6 days to receive an outcome and their offer was less than Big4 banks. I received better deals outside.

My suggestion. dont waste time and energy. You wont get any special treatment or digitally connected experience. Its all same [Content Removed].

Good interest rate, but digital experience is a letdown – The application and approval process is fairly straightforward, albeit a little intrusive. Our relatively simple financial situation where our home loan interest rate is the main feature means that Tiimely Home (or should I say Adelaide Bank) is the best match for us at the moment. Unfortunately the days of sub 2% interest rates are a distant… Read more

memory and reduction in rate takes some persuasion.

Where Tiimely Home falls over is in their partnership with Adelaide Bank, a hideously low tech bank. Which bank removes it's app without having a replacement? Using the website is ridiculously tedious and multi-factor authentication isn't practical for when overseas. This really affects the perception of Tiimely Home as a high tech player in the financial sector. The convenience of checking balances, making instant payments, and managing loan details on a mobile platform can't be underestimated.

Financially, it's a good product, but I hope they consider upgrading their features to match the expectations of tech-savvy customers. If you want no frills, them Tiimely home is OK, if you value technology, then look elsewhere.

Not worth your time – I would avoid timely home loans. Not very transparent. Seemed like they needed some education about current lending requirements. When it was clear they didn’t know what they were talking about then tried to handball me to their broker team to find a lender who charges exorbitant interest rates. Better options out there for new and existing loans

Lied about deposit amount – Told me a 10% deposit would be fine. I jumped through all the hoops to find everything they needed. Was then told I would need an additional $12,000

Online Banking is a let down! – Loan Application was straightforward and settlement was a breeze 10/10 Online banking however feels like circa 2005. Web only, no app, no instant payments, no digital wallet. Its at least a year away from what ive been told. We're looking to move away already

Excellent – Our experience with Tiimely has been excellent. The whole process from application to approval was fast, uncomplicated and we got the best possible rate. I will 100% recommend Tiimely to anyone who is looking for a new mortgage or refinance. You won't be disappointed. Show details ·  1

Pre-approval peace of mind – Tiimely has been exceptional to deal with securing a mortgage pre-approval. Quick and easy. Sara had been patient, helpful and efficient in all of my dealings with her. Great peace of mind to have a low interest rate mortgage lined up Show reply

New customer experience – The product is good value, however the process to get to settlement is not as smooth as it could be. I was also disappointed to find out once the loan had settled there is not an app that can be used easily on the mobile phone, it is web based only. I also had to wait to receive my new bank details. This should have been provided immediately on settlement not delayed and done in a very clunky manner. Show details