Case study

Creating Home Ownership Opportunities With Automation

HomeStart and Tiimely are redefining what’s possible in home financing. Ensuring more South Australians can maintain the security and wellbeing that has come with owning their own home.

Request a demo Access PDF version →

Meet HomeStart

HomeStart, a state government backed low deposit lender, has been helping South Australians achieve their dreams of home ownership for over 35 years. With lending options starting as low as 2% deposit, HomeStart’s range of innovative low deposit loans and additional repayment options cater to the diverse needs of the community.

www.homestart.com

How did Tiimely help?

Opportunity	Solution
HomeStart provides opportunities for people who may not qualify for traditional lenders, and over time, customers may look to refinance to better suit their changing financial situation. To support customers in this journey, HomeStart identified the need for an easy-to-use solution that helps them understand their readiness to refinance. This would allow customers to confidently take the next step when the time is right, while enabling HomeStart to continue helping more South Australians realise their home ownership dreams.	Tiimely's Xapii Convert automates serviceability checks and credit decisioning, allowing HomeStart customers to accurately understand their readiness to move seamlessly to a mainstream loan. HomeStart partnered with Tiimely to implement a platform that helps customers explore refinancing options when the time is right. By providing technology that helps customers know when they are ready to make this transition, HomeStart can act proactively and support even more South Australians in achieving their home ownership dreams.

Opportunity

Solution

HomeStart provides opportunities for people who may not qualify for traditional lenders, and over time, customers may look to refinance to better suit their changing financial situation. To support customers in this journey, HomeStart identified the need for an easy-to-use solution that helps them understand their readiness to refinance. This would allow customers to confidently take the next step when the time is right, while enabling HomeStart to continue helping more South Australians realise their home ownership dreams.

Tiimely's Xapii Convert automates serviceability checks and credit decisioning, allowing HomeStart customers to accurately understand their readiness to move seamlessly to a mainstream loan. HomeStart partnered with Tiimely to implement a platform that helps customers explore refinancing options when the time is right.

By providing technology that helps customers know when they are ready to make this transition, HomeStart can act proactively and support even more South Australians in achieving their home ownership dreams.

Key Features

HomeStart + Tiimely: The Technical Foundation

Intelligent financial assessment engine
Xapii Convert provides explainable serviceability assessment results giving HomeStart’s customers trustworthy, consistent visibility to their financial readiness for a mainstream home loan.
Serviceability APIs
HomeStart utilises Xapii Convert’s calculator APIs embedded directly into their customer portal. Using customer-declared financial information, customers can quickly see whether they may be ready to transition to a mainstream lender, helping them make informed next steps with confidence.
Bank-level security
For highly regulated organisation, including those that are government backed, safety and security is of utmost importance. By utilising Xapii Convert, HomeStart can operate with peace of mind knowing Tiimely’s bank level security. Tiimely is SOC 2 Type II and ISO 27001 certified, and CDR and ADR accredited, along with being embedded digital compliant.

Expanding Home Ownership Opportunities

HomeStart is committed to helping more South Australians achieve home ownership, particularly as housing affordability challenges continue to grow. To support their customers throughout the home ownership journey, HomeStart partnered with Tiimely to implement a platform that helps customers explore refinancing options when the time is right.

Why Tiimely was fit for purpose

With Xapii Convert, HomeStart customers now have easy access to refinancing calculators that though Tiimely’s APIs and automated serviceability assessments, can understand when they may be in a financial position to transition to a mainstream home loan. Using customer-declared data, Xapii Convert delivers consistent and accurate assessments. The result is a more informed customer who can make decisions with confidence. purpose-driven organisation South Australians have trusted for decades, now with tools that help them work smarter.

At HomeStart, a customer refinancing is a success. It shows we’ve helped them get their start and supported them to take the next step when the time is right. Many say they’re paying it forward, giving others the chance to get their start through us. By providing easy-to-use financial tools, we help customers manage their loans with confidence.”
Andrew Mills
CEO of HomeStart

Automation That Empowers Customers

HomeStart recognised the tool needed to deliver clarity and confidence for customers. Leveraging Xapii Convert, HomeStart now provides API-powered calculators within their customer portal, allowing customers to explore their eligibility for a mainstream home loan at their own pace.

Using customer-declared data, Xapii Convert delivers consistent and accurate assessments. The result is a more informed customer who can make decisions with confidence.

Redefining What's Possible

The partnership proves that government-backed and other highly regulated organisations can leverage cutting-edge technology while staying true to their public service mandate. HomeStart remains the same purpose-driven organisation South Australians have trusted for decades, now with tools that help them work smarter.

The partnership proves that government backed and other highly regulated organisations can leverage cutting edge technology while staying true to their public service mandate. HomeStart remains the same purpose driven organisation South Australians have trusted for decades, now strengthened by Tiimely’s technology to deliver an even more seamless customer experience. Together, they are setting a new benchmark for how innovation can responsibly support financial wellbeing and expand pathways to long term home ownership.