Australia's Digital Lender of the Year

Variable

  • P&I

  • Live-in

  • 5.04% p.a.

    Interest rate

  • 5.05% p.a.

    Comparison rate

Excellent

4.5 out of 5

Backed and funded by
Bendigo and Adelaide bank


Award-winning online home loans, to suit you

Some of Australia's best interest rates live here

  • Variable

    • P&I

    • Live-in

    • 5.04% p.a.

      Interest rate

    • 5.05% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • Unlimitedadditional repayments
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank

  • Fixed 1 year

    • P&I

    • Live-in

    • 5.49% p.a.

      Interest rate

    • 5.14% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • $20,000additional repayment limit per year
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month
    • 5.09%roll-to-rate after 1 year

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank

Join the other smart customers

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    Good communication and has a chat…

    Good communication and has a chat available on weekends/after hours

    James Hoang

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    It is quick and easy

    It is quick and easy, and The Team is very helpful when I called few times and many times contacted t hem through live chat. And also I was going to cancel my application though it was already approved because I was on and off sick and plus I have to pay a bit of money when getting out from my current lender and they offered me a little bit of money though it was not much but I find it very thoughtful and kind of them to offer me that amount because I know it was not in their offer in refinancing home loans. Another thing too is that there were some instructions that I did not understand with the signing of the documents, and they were very patient with me, and they are very understanding. One that attracted me to them is their Offset account even in a fixed home loan and that is very handy. Thank you very much, Tic Toc and the Team

    Sabrina

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    Great communication

    They were really helpful over the phone. Great to work with

    Tracy Mckenzie

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    Pretty good experience, just a bit slow

    The application process was very easy to fill out, best of the best techwise to make the process fast and easy. What wasn't so fast was the follow-up if the computer couldn't approve you straight away - we were assigned a lovely credit assessor who requested additional information from us but would often take 2 days to respond to emails. I ended up phoning her towards the end and that wrapped things up pretty quick after that. She was lovely and very helpful but it sounded like they were short-staffed for handling the number of enquiries the business had. Overall a pretty good experience, just perhaps could have gone a bit faster if emails were sent quicker.

    Jesse Bulman

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    A good refinance experience

    Pros - The rate is great - The fees are low - It was easy to apply and I was supported all the time throughout the process - The process has been transparent with regular updates - Customer service has been quick and helpful - The online app is user-friendly Cons - They got the email address of the co-borrower wrong as a result they received the contract late - They mistyped my name as a result my access to online banking was delayed

    Daniel

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    Good communications, good rates

    Good communications, about as clear as possible. Good rates too! Being able to contact through email or live chat is a real plus. Having one person assigned to the case would've been good for continuity but everyone was very friendly.

    David

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    Easy application process

    Easy application process! Fast approval

    Royce Cocciardi

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    Once again it was a pleasure dealing…

    Once again it was a pleasure dealing with Trix who had also helped us with our previous TicToc loan, remembered who we were when she saw our name again this time, sought us out of the approvals pile and called us direct. Trix helped us work through the process and worked with us to help answer a couple of the trickier questions. We were thrilled to deal with her again and once more get a good deal on our home loan. Thanks!

    Rob P

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    Great service

    Great communication and easy to deal with. Transparent and competitive rates. I’ll update in a few months :-)

    Michele Avino

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    Way better than a bank

    easy to use website, good information & helpful, professional experienced staff

    Wendy

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Excellent

4.5 out of 5 based on 725 reviews

Full or conditional approval in 3 easy steps

Apply for approval online and receive a digital answer (with human help when you need it). Anywhere. Any time.

1
2
3

  1. Get ready

    Get the essential ducks in row – like having a form of ID handy, knowing the exact address (for full approval) or suburb (for conditional approval), as well as your income and expenses.

  2. Apply online

    Hit apply and away you go. We’ll value your property, verify your personal details, run a credit check and validate your income and expenses in real-time as you complete the application. If there is something we can’t do digitally, your application is sent to our human team to review.

  3. Sign, smirk and save

    Get a decision in minutes, or ASAP if we hit a manual snag. If fully approved, your loan docs will be auto-generated and emailed to you, in most cases, within minutes. Sign, return and you’re ready to party.

Real humans in our Aus-based HQ

There’s a whole bunch of clever people at Tic:Toc HQ in Adelaide, working to make home loans faster, smarter and simpler. If you need help with your application, our home loan experts are ready to chat

Ryan

Credit Assessor

FREQUENTLY ASKED QUESTIONS

Got questions? We have answers

An online home loan is still a recent innovation. It's natural to have questions.

As seen in

Legal things about our rates, no tricks

Digital Lender of the Year

We're motivated by helping customers, not by awards. But as the OG digital home loan, this is one that makes us pretty proud. Tic:Toc was awarded 'Digital Lender of the Year' in Canstar's 2022 Home Loan Refinance Awards, when compared to more than 930 home loans across the market.

No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. We’re transparent with our rate history, you can read about it here.

Our current rates

Our rates are current as of 24 March 2023; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. You can find all of our roll-to rates here. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.