Refinancing made simple

It’s like a traditional home loan, but done completely digitally, online. It’s more than a digital form you fill out — we’ll assess your application as you fill it in, and we’ll verify your info as we go.

Never applied for a home loan without help before? Don’t worry. If you have questions, have a read of our FAQs, give us a buzz, or shoot us a message. We’ll be glad to help.

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The short answer: we’ve developed Australian-first digital efficiencies and eliminated buckets of overhead costs. We don’t just collect your application details in a digital form. We assess and verify your information in real-time, as you fill it in. Our efficiencies cut time and cost from the process, and we pass this saving onto our customers. There’s no ‘catch’ — we’ve just invented a new, better way to get a home loan.

We offer a form of conditional approval, where we assess everything we can without knowing the final property you’ll be purchasing. Learn more about conditional approval subject to property.

Your banking login details are requested for one sole purpose: to fetch read-only copies of your transaction history, direct from your banking sites.

It is impossible for Tic:Toc to transfer, move or do anything else with your bank accounts aside from receiving a copy of your transactions and loan statuses. We only see the information we need to approve your loan application – the same information you would supply us if you were submitting the documents manually (once you find them, print them, scan them, email them). It’s just much faster this way.

We think our way of digitally validating your financials is far safer than sending financial statements via email.

When you enter your online banking details, no human will ever see your credentials. Your password isn’t retained. It’s encrypted and hashed all the way back through the hardware.

Your data is secured by our world-leading encrypted technology partner, Envestnet Yodlee (Yodlee). We chose them because they’re the best in the business, and they’ve been at the forefront of financial technology security for over 20 years.

We know it sounds odd asking for your banking login details, but rest assured that nobody (not even Yodlee) sees them. As soon as your details have been entered and validated in the approval stage of your home loan application, they are encrypted, separated, and securely stored. Once your financial validation has been completed they are completely obliterated, never to be seen again.

Don't want to enter your bank details? That's okay too.

You can simply upload copies of your transaction statements and any other documents we may need to verify your financial position (check our manual validation checklist). Just be aware that this will mean a Tic:Toc team member will be required to review them, so the application process will take a little longer.

If you'd like more detail about how it works, go forth and investigate further at our security page or go in-depth with our home loan guide.

Related articles from our Home loan guide

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  Getting a home loan online - is it safe?

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A home loan is serious business, and so is your security. Don’t let your data get caught up in the administrative lag of legacy banking systems and processes. Our awarded digital processes have been built with security in mind, with encrypted data streams that give our customers peace of mind.

We built the tech

We are the only lender who built their own proprietary tech and it’s so good, other lenders, including two of Australia’s biggest five banks, use it too.

Kick-ass security

Our tech protects your data. Plus, we’re backed and funded by Australia’s fifth-largest bank to give you the assurance that we respect and protect your information.

We keep your data safe

We’d never share your data, nor do we sell it off. It’s encrypted and used solely for the purpose of assessing you for a home loan product.

Government guaranteed

We give our customers the same protections as a bank. Unlike other lenders, our home loans offset accounts won’t leave you exposed in the unlikely event something goes bad.

We’re certified secure!

At Tic:Toc we take your security seriously. So seriously in fact, that we got our whole team to undertake SOC 2 training. What is it? It’s a rigorous auditing procedure that ensures our services securely manage your data, and we’ve passed! Showing we’re legit in protecting your privacy.

This is not just a box we ticked, SOC 2 informs how we manage our customers’ information. The ‘trust service principles’ of security, availability, processing, integrity, confidentiality, and privacy guide how we conduct our business ongoing…it’s like a promise to you that we don’t just care because it’s fashionable…we care because it’s essential.

Other nitty-gritty bits

Our online service is bound by the provisions of the Privacy Act 1988 (Cth), including the Australian Privacy Principles. As logic has it, please be aware that we are not responsible for the privacy practices of other sites, such as Facebook, which you may connect to via our website. When you go to other websites from here, we advise you to be aware and read their own privacy policy. Ours is here.

If you’re looking for the lowest home loan interest rate, we recommend viewing all of our home loans and weighing up which one might be best for you.

If a Tic:Toc home loan really isn’t for you (it’s chill, we won’t be offended), it’s still a good idea to know what else to look for beyond an interest rate.

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