Terms and conditions of use

  1. Permitted use
    • As a user of this Website you are granted a non-exclusive, non-transferable, revocable, limited licence to access and use the Website and Content in accordance with these Terms and Conditions of Use. Time Finance & Home Loans may terminate this licence at any time for any reason.
    • The Content on the Website is for your personal use only and not for commercial exploitation unless otherwise agreed.
    • You may not decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicence, or create derivative works from this Website or the Content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage, individual identities or users.
    • You may not use any robot, spider, circumvention service or circumvention device, or manual process to monitor or copy our Website or the Content without Time Finance & Home Loans' prior written permission.
    • You may not copy, modify, republish, reproduce, display, distribute, or transmit for commercial, non-profit or public purposes all or any portion of this Website, except to the extent permitted above. Any unauthorized use of the Website or its Content is prohibited.
  2. Copyright & Intellectual Property
    • Except as expressly provided in these Terms and Conditions of Use, nothing shall be construed as conferring any licence or right, by implication, estoppel or otherwise, under copyright or other intellectual property rights.
    • This Website is copyrighted. You may download, display, print and reproduce material in unaltered form only (retaining this notice) for your personal, non-commercial use or use within your organization. In certain limited instances Time Finance & Home Loans may give a user or subscriber limited reproduction and distribution rights for specific materials. However, apart from any use as permitted under the Copyright Act, and similar statutes that apply in your location, all other rights are reserved.
    • All trade names, trade marks, service marks and other product and service names and logos (the "Marks") displayed on the Website are proprietary to their respective owners and are protected by applicable trade mark and copyright laws. These Marks may be registered or unregistered marks of Time Finance & Home Loans or others. Nothing contained on the Website should be construed as granting any licence or right of use of any person's or entity's trade mark which is displayed on this Website without their express permission. You are prohibited from acquiring, searching or use of any Rights Management Information whatsoever. If you use any of our trade marks to refer to our activities, products or services, you must include a statement attributing that trade mark to us. You must not use any of our trade marks:
      • in or as the whole or part of your own trade mark;
      • in connection with activities, products or services which are not ours;
      • in a manner which may be confusing, misleading or deceptive; or
      • in a manner that disparages us or our information, products or services (including this Website).
  3. Linking and framing
    • You may provide links only to the homepage of this Website, provided that:
      • you do not remove or obscure, by framing or otherwise, any portion of the homepage, including its advertisements, the Terms and Conditions of Use, the copyright notice, or other notices on this Site;
      • you give Time Finance & Home Loans notice of such link by sending an e-mail to info@timefinance.com.au; and
      • you discontinue providing links to this Website if requested by Time Finance & Home Loans.
    • If you wish to provide links to a section within this Website, you should forward your request to Time Finance & Home Loans at info@timefinance.com.au and Time Finance & Home Loans will notify you if permission is granted, and if so the terms and conditions of the permission.
  4. Third party content
    • Third party content may appear on the Website or may be accessible via links from the Website. Time Finance & Home Loans is not responsible for and assumes no liability for any infringement, mistakes, mis-statements of law, defamation, slander, libel, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained in any third party content appearing on this Website. You understand that the information and opinions in the third party content is neither endorsed by nor does it reflect the belief of Time Finance & Home Loans.
  5. Viruses and functionality
    • Time Finance & Home Loans does not represent or warrant that the Website or the Content will be error-free, free of viruses or other harmful components, or that defects will be corrected or that it will always be accessible.
    • Time Finance & Home Loans does not warrant or represent that the Content available on or through this Website will be correct, accurate, timely, or otherwise reliable. Time Finance & Home Loans may make improvements and/or changes to its features, functionality or Content at any time.
  6. Limitation of Liability
    • You use the Site at your risk. You must evaluate, and bear all risks associated with, the use of any Content, including reliance on the accuracy, completeness or usefulness of any Content. In particular, where information relating to companies, investments or securities is provided on or via the Site, such information is provided for information purposes only. You should seek your own independent advice with respect to any Content.
    • Time Finance & Home Loans disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind resulting from, arising out of or any way related to:
      • any errors in or omissions from the Website and the Content, including but not limited to technical inaccuracies and typographical errors;
      • any third party websites or content therein directly or indirectly accessed through links in this Website, including but not limited to any errors in or omissions from those websites or content;
      • the availability of this Website or the Content;
      • your use of the Website or the Content; or
      • your use of any equipment or software in connection with the Website or the Content.
    • Time Finance & Home Loans is not liable for any loss, injury, claim, liability, or damage of any kind resulting from your use of the Website, the Content, the production of materials or any facts appearing on any production from the Website. Time Finance & Home Loans is not liable for any special, direct, indirect, incidental, punitive or consequential damages of any kind whatsoever (including without limitation, legal fees) in any way due to, resulting from, or arising in connection with the use of or inability to use the Website or the Content.
    • You agree to indemnify, defend and hold Time Finance & Home Loans harmless from and against all claims, losses, expenses, damages and costs, including reasonable legal fees, resulting from any violation of these Terms and Conditions of Use by you.
  7. Terms and Conditions of Use - Modifications
    • Time Finance & Home Loans reserves the right to change these Terms and Conditions of Use at any time. Updated versions of the Terms and Conditions of Use will appear on this Website and are effective immediately. You are responsible for regularly reviewing the Terms and Conditions of Use. Continued use of this Website after any such changes constitutes your consent to such changes.
  8. Governing Law and Jurisdiction
    • The Terms and Conditions of Use are governed by and construed in accordance with the laws applicable in the State of Queensland, Australia, and any action arising out of or relating to these terms shall be filed only in state or federal courts located in the State of Western Australia. You hereby consent and submit to the personal jurisdiction of such courts for the purpose of litigating any such action.
  9. Definitions
    • In these Terms and Conditions of Use, unless the context otherwise requires:
      • "Content" means all content, information, documents, services and software ordered, produced or provided on or through this Website.
      • "Time Finance" means Time Finance & Home Loans Mortgage Services and related entities and service providers.
      • "Link" means an electronic address on a webpage or in an email.
      • "Rights Management Information" means information which identifies the work, the author of the work, the owner of any right in the work, or information about the terms and conditions of use of the work, and any numbers of codes that represent such information, when any of these items of information is attached to a copy of a work or appears in connection with the communication of a work to the public.
      • "Terms and Conditions of Use" means these terms and conditions and includes any other policy or disclaimer notice published on the Website from time to time.
      • "Website" means the Time Finance & Home Loans' website at www.timefinance.com.au
Top FAQs

Depends on the size of your deposit, the value of the property, and your servicing capacity (based on your income and how much you are able to repay).


Most mortgage lenders will require a deposit of 20% or more of the property price. Less may be required however will require mortgage guarantee insurance in most cases


Depends on the type of loan, intrerestr rate, payment term, and whether you pay monthly or fortnighly. Use us mortgage calculators to guide you.


Every state is different and may depend on the value, whether you are building or buying an established home. Read more in our FHOG article


It is a rate that includes both the interest rate and the fees and charges relating to a loan, combined into a single percentage figure that lets you compare loans from differengt lenders on a fair comparison.


This 'in principle approval' is usually valid for 3 months. Gives you the confidence on how much you can borrow before your purchase a property.


The cost of Stamp Duty varies between States and Territories. Subject to your personal loan circumstances, the cost of stamp duty can be included in the loan amount you borrow.

View more FAQs
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