Australia's Digital Lender of the Year

Variable

  • P&I

  • Live-in

  • 4.49% p.a.

    Interest rate

  • 4.50% p.a.

    Comparison rate

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

    • 4.49% p.a.

      Interest rate

    • 4.50% 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

    • 5.24% p.a.

      Interest rate

    • 4.61% 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
    • 4.54%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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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.

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  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 18 November 2022; 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.