Our mission

Making home loans faster, smarter and simpler

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.

How we're different

At Tic:Toc, we’ve made it a practice to do things differently.

Like being an online lender that cares about responsible lending. And a digital disruptor that shares its ground-breaking technology with the industry.

We remove the things that cost you time and money and support our customers with a team of home loan experts that are as local as you are.

An automated experience that’s surprisingly human, we offer the fastest online home loan application but not at the cost of customer service.

We’re an online business that takes the time to explain how rates work and doesn’t treat you like a number.

And in doing so, we’re faster, smarter and simpler.

What our customers are saying

Slide 1 of 10

    Would recommend

    Quick, friendly, responsive.

    Liam Gallagher

    Go to article

    Can I say a HUGE thank you to Emmalene Bates

    Can I say a HUGE thank you to Emmalene Bates. Emmalene assisted me throughout my property purchase journey. She was positive to deal with, attentive to emails and proactive to finding answers. Emmalene went above and beyond and always made me feel like I was her top priority.

There were a few hiccups along the way with the contract of sale. When I asked Emmalene for assistance, she used her resources and time very well to help me resolve these stressful concerns. Nothing too big or small to take on for this member of Tic Toc, she is the reason I chose this lender over others.

Tic Tocs rates increased in line with the RBA's rate increases. I expected this. Tic Toc has a help line to access quick guidance and they have been nothing short of amazing.

Thank you Tic Toc for all of your support during this journey.

    Peter L

    Go to article

    Seamless and professional

    My experience was very pleasant. Tim Jiang was a pleasure to deal with. He was prompt and helpful and answered all my questions in a professional manner.

    Verónica

    Go to article

    So easy!

    Simple process, helpful and knowledgeable staff

    Anna

    Go to article

    The process was easy and everyone was…

    The process was easy and everyone was very helpful

    Kristal M

    Go to article

    I would highly recommend Tic:Toc

    I would highly recommend Tic:Toc. Communication was outstanding throughout the whole process which was also very easy. Multiple emails and phone calls were returned straight away. Very friendly staff. Very happy.

    Damien

    Go to article

    Nothing to fault!

    We decided to refinance with TicToc. They were clear with any terms, conditions and queries we had before applying. The online application process was easy and straightforward, as long as you have all your info and documents ready. Our application had to be reviewed but it took only 6 days to approve, from start to finish. Communication from all associated with TicToc has been excellent! Already far better service than the 8 years we were with NAB!

    Anonymous

    Go to article

    Easy application. Great service

    The whole process was very easy. Vik, who took care of our application was amazing to deal with. I felt that he went out of his way to answer my questions and worked with us to get our loan approval. I'm very happy we chose to buy our home with tic:toc

    Anonymous

    Go to article

    Whole process was very smooth and easy

    Whole process was very smooth and easy

    Ash Galvin

    Go to article

    Go Tic:Toc!

    Honestly, I started with an Unloan application, but in summary, that went nowhere - got texts, emails, and an assessor's call. Then nothing - I followed up via emails, text, phone call - nothing, as if the company just disappeared completely. I was even thinking it was a scam to get my financial details. Then Tic:Toc came, and what a breathe of fresh air! I get updates and responses quickly - be it email, phone call, or chat! Always responsive, always quick - my Assessor (Emmalene), the chat support team, and even the Settlement Agent rep. All in all, took a week I believe from submission to getting notice of being ready for settlement, through constant communications. So am very happy with the experience so far and endorsing Tic:toc (the mortgage provider, not the other one) Waiting on settlement.

    Jojo Vilar

    Go to article

Excellent

4.6 out of 5