Our mission

Making home loans faster, smarter and simpler

We use tech to strip cost and complexity from home loans. So we can pass on big cost savings, and give back time to our customers.

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 cheaper home loan with the ability to be delivered to customers – with a contract – in less than 58 minutes, from the time they started their application. That's our record so far, but we're ready to beat it.

How did we do it?

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

Anthony Baum

CEO and Founder

Home loans are confusing, time consuming, and expensive. We've used technology to change 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

What our customers are saying

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    Tictoc has been great

    Tictoc has been great and easy to deal with. We had dealt with previous big4 banks however tictoc performed the best in terms of processing preapproval all the way till approval. They managed to fully approve our loan with valuation in less than 2 days. Our credit assessor Dianne was great. The only downside is their legal representatives are slow and aren't the easiest to deal with which is critical between your lawyer/conveyancer and the bank. Overall I would recommend Tictoc.

    David Hvasanov

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    Speedy

    Speedy, thorough and pleasant experience. You don't usually say those things about a financial institution. These guys are doing it differently. Highly recommend

    Ms Sam Hurley

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    Great service!

    Great service! Very easy to deal with. Communication of next steps and timeframes have been clear and easy to understand and always kept us informed. Speedy application process! Great rates++

    Lisa

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    Always the best!!

    Always the best!!! Excellent experience for my two loans application! They are carefully and nicely for the whole process. I will recommend more friends to Tic:Toc.

    K L

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    First time online lender.

    Amazing fast easy process from start to finish. I personally got excited about the efficiency of TicToc home loans as it is the first time choosing an online lender. I have been following TicToc for a few years now trying to gauge customer trust and security of online lenders. With my big 4 bank always on my toes with their rubbish rates i was more than happy to have proceeded with TicToc. Great deals, rates and their support staff on the phone were very polite, professional and importantly down to earth. Who needs a broker. Banks are changing the way loans are managed and TicToc are keeping pace allowing extra payments on fixed rate loans with a redraw facility and offset option. I found myself asking.. “what more could I want” cheers TicToc. I’ll be submitting my papers Monday

    Ross

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    Fantastic efficient process

    Fantastic efficient process. Great technology and I could not fault the advisor either. His communication was top notch. Highly recommend.

    Jen

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    The process to getting approved was a…

    The process to getting approved was a little rough. Firstly our bank wouldn't sync for TicToc to get my financial details. The TicToc rep I had left the company and didn't pass on our application to another rep. We had a valuer booked and then Newcastle went into lockdown. After 3 weeks of we can't value it to we will do a Kerbside it didn't happen, so I emailed again and the next company did it the very next day! Overall though I could still recommend them.

    Mr Wayne Barrett

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    Seamless

    Most seamless mortgage experience so far. Great process and technology. Online lenders are definitely the way to go.

    Keelan Fischer

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    Efficient and fast is the best…

    Efficient and fast is the best experience! We refinanced and got the best interest rate, highly recommended!

    K L

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    Getting our Home loans with TicToc was…

    Getting our Home loans with TicToc was a quick and smooth process, Thanks especially to Tina for her help and advices.

    Bertrand

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Excellent

4.7 out of 5