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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    Honestly did it in an hour!

    Honestly did it in an hour- one mortgagee one property no debts - as easy as it comes! Three days and I had the loan documents. I needed a request to release from my old lender which they sent the form that day. I needed a insurance document from my stata insurance broker. That took one day. The old mortgage bank took 15 days to deal with the release. But all this pales into insignificance when it to a mortgage broker - 1 week to call me back after initial approach - 1 week to book a face to face appointment that I had to leave work early for and take toll roads to get there on time - a week of me collecting a mountain of paper work - (tic toc you just give them access to your accounts) - a week of him pretending to search before bringing me only one deal at 1.84 fixed for two years which I explicitly said I did not want! Now I have 1.89 variable and 15yr loan period so I will be paying much more off it taking full advantage of these unprecedented rates. All in all - a simple process! I will be back on here to let you all know if and when and how fast they move me off that low low rate!!! Fees got me on both sides of the fence! This cost about $800 $500 of which was release cost from Great Southern Bank who were absolutely awful bank. All the TIC TOC fees are government charges for registering mortgage etc.

    Renae Gilmour

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    Good rates, easy website.

    Easy website to use. Application relatively straightforward. Responsive team. Communication about settlement could be improved.

    TH Junk

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    ID Check and Land Title document review process confusing

    - Loan application and approval was painless and fantastic - ID check/Land Title Registration including Name change process is VERY confusing -- Australia post were initially unwilling to do ID check as they usually see a title/approval page as part of the Land titles check. We had to get back in line and show them documents provided via TicTok/MSA that did not mention anything about this extra page -- The "Change of Name" helper document says "Certified Documents must be provided", we asked Aus post about this and since the process is digital they said we don't need to provide certified documents - I'm still unclear if this the case as i've received another email from TicToc this morning suggesting we still need to provide Certified ID documents, it's also unclear WHO we need to provide these documents to... -- Unable to call MSA contact, her voicemail says she does not check voicemail and to email them. -- Attempted to call MSA yesterday i hung up after 10 minutes waiting - Certificate of currency for insurance does not clearly define the what name is expected to be used - I had it changed to TicToc, I've now received a followup email saying it should say "Bendigo Adelaide Bank", i cannot see where this is clearly stated in any documents i received.

    Aaron

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    Good experience overall

    Good experience overall. Competitive rates, very helpful staff. Some items in the online application were either not made very clear or had glitches but after speaking to a staff member everything was fixed and explained. Very fast process even over Xmas period. I do recommend this provider.

    Anjella Parkhomenko

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    Suprisingly fast, convenient website chat

    Slow to get going because the share trading account wasn't able to be pulled in automatically. But approval came very quickly in the end, despite being over the new year break. It's super handy being able to get specific questions answered via the text chat on the website, without having to wait on hold on the phone or anything.

    Louis

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    Great service

    Great service, easy to use and response is very prompt!

    Steve

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    Quick and easy

    Was kept up to date the whole time - great communication and a great experience overa

    EMY YONEDA

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    Quick and easy

    Painless isn't a word usually associated with getting approval for a mortgage, but that's how it was with TicToc and Vik. Applied on Friday (relatively quickly since I had the various statements and whatnot already PDF'd and ready to go) and received a friendly phone call from Vik (the credit assessor) on the same day. After providing him some additional information, Vik had the approval for us on the Monday. Considering when I applied, it was only about 1 business day from start to finish. While I can't speak for the process of confirming the loan/settling/etc, I can say that every bank/non-bank in the mortgage business should be copying the process of TicToc.

    Branden Maynes

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    Terrific features and smooth approvals

    Terrific loan features and a smooth approval process makes Tic:Toc a great choice.

    LORYN J

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    Very smooth experience to refinance…

    Very smooth experience to refinance with Tic:Toc. The automated online process was a great time saver when it came to confirming financial details and it was less than a week from initial inquiry through to approval and submission of all required documentation. Just waiting on my old lender for settlement

    Brendon Codling

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Excellent

4.7 out of 5