Our mission

Making home loans faster, smarter and simpler since 2017

Tic:Toc combines tech and people to simplify the complicated, automate the laborious and humanise the digital.

A home loan process built by a tech company, not a bank

Tic:Toc launched in 2017 and turned the home loan process on its head.

Our proprietary technology enabled a world-first: a low-cost home loan that can be delivered to customers – with a contract – in less than 58 minutes, from the time they started their application. But it’s not just about speed for us. Tic:Toc’s tech makes the lending process so efficient, our Home Loan experts can focus on the stuff that matters – helping customers, if and when they need it.

How does the tech work?

We digitised a bank’s credit policy and created a series of data models to make lending recommendations for our human assessment team. Automated home loans. We now offer this tech to other lenders too via Tic:Toc Enterprise, so the entire industry can do it better.

People watch a Zoom call

People don’t expect exceptional service, responsible lending or having respect for customers and their time from online lenders. We’ve changed that.

Anthony Baum, Founder and CEO


Bank backed, without the banky bits

We've partnered with a trusted bank, protected by the government's financial claims scheme (FCS). So we can focus on building better technology to improve your experience.

Our loans are funded by the good folk at Bendigo and Adelaide Bank, who are long-time friends of the business (and a shareholder). With a Tic:Toc home loan, you become a Tic:Toc customer.

Smart baCking from smart investors

Our all-star home loan specialists

It's the people behind our technology that make us really special. Our Customer Hub have over 100 years of combined experience in credit. Plus, they're the nicest folk going around and love solving problems for our customers.

Ivy Sarmiento

Customer hub team lead

Want to join the team?

Be a part of a fast-growing fintech that exists because of our talented and diverse team. We're always on the lookout for smart, creative (and hungry) doers, to help us on our mission.

Joe Rugari

Data Scientist

How we're different

Tic:Toc is a contradiction.

An online lender, that cares about responsible lending.

A remover of things that cost the customer time and money, with a local customer team staffed by home loan experts.

A digital lending disruptor, that shares its platform with the industry.

The country’s fastest online home loan application, and people who’ll take the time to explain how a variable rate works.

An online business, that doesn’t treat you like a number (unless you want to be).

Tic:Toc is the best of how business used to be, combined with how it will be tomorrow. Good old online home loans.

What our customers are saying

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    Fast, friendly and easy!

    Very fast and extremely simple process to buy our investment property. Fast loan approval, no waiting on hold to reach staff and excellent friendly service with a great low rate and low fees. Very happy!!

    Garnet and Kristy New

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    The best refinancing experience I have ever had

    A seamless experience in refinancing my home loan. My credit assessor, Barb, was very helpful and guided me through the process in as painless a way as possible. Loan was approved within a week. Thank you!

    Aron Cranenburgh

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    Quick easy and painless process

    Quick easy and painless online process. We VeriSign'd the contract so there isn't a need to go to an office somewhere. Rare option to have offset account and fixed rate at same time. $10 a month is a small price to pay to reduce interest on a loan by 10s to 100s of thousands of dollars. I am not a qualified finance person but it seems to me a very good option for mortgage. So far we are very happy with TicToc I did a previous review being upset at the IDs required for verification, but I realised the complaint was misdirected as the TicToc documentation did clearly state the IDs required. I had just spoken to the verification person and trusted the verbal information given (which left open a lot of other ID options that aren't actually accepted). So we can chalk up my previous complaint to 3rd party miscommunication and the value of looking things up yourself.

    Zandra Pavicic

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    Overall pretty good

    Overall pretty good. Most everything was very clear and steps and instructions were relatively painless. The only issues was the VOI guy said 2 forms of government issued picture IDs. I gave him one of my AU clearance IDs and my driver's licence which both comply with his requirements but he wouldn't accept the clearance ID. He insisted on me handing him my passport. Well it was already packed away because nowhere was my passport required until he was already at my house. It was a major inconvenience really!

    Zandra Pavicic

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    Excellent Communication strategy and…

    Excellent Communication strategy and always had time to answer calls, assist with queries. Very professional.

    Simon Bernroider

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    Rates had me interested, communication had me sold!

    I first tried to get a TicToc loan about 8 months ago but was informed as I was on a Casual work contract I wouldn't be able to secure pre-approval until I'd completed 12 months with my current employer. In Feb 2020 I went with a broker for pre-approval however the communication was poor and every 2 weeks the recency of my documents kept lapsing leaving me to upload new statements repeatedly. For the hell of it I went back to TicToc and whilst they didn't approve my initial amount, they gave me pre-approval of a lower amount which was more than enough to go property shopping with. When I sent through the Offer/Acceptance, communication was very swift, documentation was sent promptly and considering this clashed with Easter/ANZAC long weekends they kept me, my conveyancing team and the agent informed at all times. In hindsight I'm super thankful the previous broker messed me over as im now with a great lender, the formal approval was quick, loan docs easy to understand and best of all I came out of it with the best interest rate possible. A big thanks to Raff from Tic Toc - he kept me as a client even after the initial application wasnt going to be successful.

    Melissa

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    In the past we’ve used a broker but I…

    In the past we’ve used a broker but I didn’t want to pay the premium to do so given we’re taking a large mortgage for our family home. I was certain it couldn’t be too hard. Not only was it super easy, we both found it way easier and less stressful. The Tic Toc team were amazing, communication was in abundance and we were always clear on what was required when and what was coming next. Highly recommend, very impressed

    Camille Peressini

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    Highly recommend service

    Highly recommend service. I dealt with Brett Smid and he was awesome and went over and beyond to get refinanced of my home loan at such an awesome interest rate. The process was excellent and I am very happy 😊

    Chayil Aquinos

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    Brilliant service

    So happy with the entire refinance process. Communication was fabulous and the whole process was super quick and easy. I would definitely recommend Tic Toc to anyone looking to refinance.

    Trudie Colville

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    I highly recommend Tic Toc

    Recently switched from the Big Four to these guys. They were flexibile with changes (I changed my loan duration a couple of times). Signing documents is fast and easy - everything is online. They also gave me the original rate they agreed upon, inspite of a rate rise. I feel good about being with a company which is affiliated with banks which don't invest in fossil fuels (Adelaide & Bendigo).

    suji upasena

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Excellent

4.7 out of 5