Banks just can't compete
Our tech helps us assess loans faster than an average lender. That’s why our rates are so low and stay low. We save money and so do you.
Find your home loanP&I
Live-in
5.29% p.a.
Interest rate
5.46% p.a.
Comparison rate
Our tech helps us assess loans faster than an average lender. That’s why our rates are so low and stay low. We save money and so do you.
Find your home loanUnlike other online lenders, our home loan offset accounts are fully government guaranteed.
More about bank-backedWith a Google My Business rating of 4.9/5 stars and 90% of calls answered within 20 seconds, we're loved by Aussies like you.
More about usSome of Australia's best interest rates live here
P&I
Live-in
5.29% p.a.
Interest rate
5.46% p.a.
Comparison rate
Please note if you add an offset account, your comparison rate will change.
P&I
Live-in
5.49% p.a.
Interest rate
5.50% p.a.
Comparison rate
Please note if you add an offset account, your comparison rate will change.
Apply for approval online and receive a digital answer (with human help when you need it). Anywhere. Any time.
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.
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.
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.
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
Deion
Credit TEAM LEAD
FREQUENTLY ASKED QUESTIONS
An online home loan is still a recent innovation. It's natural to have questions.
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About our Awards
Awards don’t motivate us as much as helping customers. But as the OG digital home loan, being awarded Canstar’s ‘Digital Lender of the Year’ makes us pretty proud. We’re excited to say that over the last five years, we’ve won 42 Canstar awards and you can find out all about them here.
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 31 May 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.