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. For more information about our business, read our FY22 Annual Report.

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

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    Great experience so far

    I have had a good experience so far. I am waiting for settlement in October but the application and loan process have been a breeze. Tic:Toc staff have been very helpful answering questions too. I must say I am a little bit nervous about the interest rate increases based on review I have read here though..

    Jacinta Nicole

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    Easiest Process by Far for Refinancing

    I have refinanced a number of loans over the years and Tic:Toc was BY FAR the easiest. Their systems are far superior to other banks, with pretty much everything is to be loaded online.

    Jen

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    Loan was quick and easy

    Vikram was very helpful, patient with all our queries and overall, the process was quite simple.

    Shraddha Patel

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    Great service

    Responsive, fast and accurate service

    Steve Russell

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    Easy, helpful, pain-free

    After asking CBA if there was anything better they could do for me as an exisiting mortgage holder and getting doughnuts, I decided to refinance. I put it off for quite some time, thinking it would be an incredibly painful experience, but I wish I’d made the move earlier. Blake made the whole process as painless as possible. I couldn’t recommend him - and the Tic:Toc refinancing process - highly enough.

    Jacqueline Drapper

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    Very Easy Process

    Very Easy Process, Great People with great customer Service

    Nirav Joshi

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    Great Experience all round..

    I recently had a great experience with TicToc & Trix. Entire process was smooth, seamless and quick. I was kept updated throughout the process and the entire team was friendly and helpful.

    Kristian Baracz

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    Trix @ TicToc 👏👏👏

    Trix was superb to deal with at TicToc. We applied with TicToc due to their great interest rates, as great as they can be in this current market, and remarkable reviews. Our specialist, Trix, made it exceptionally easy to proceed and process our necessary documents and it was smooth sailing from there.

    Aaron Airey

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    They made the loan process easy for me

    They made the loan process easy for me. Everyone I talked to online was patient , helpful and understanding when I had to amend my application. The best!

    Consumer

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    I had a great experience with tictoc

    I had a great experience with tictoc. They were very responsive to my questions, even though I had a lot of them and I the information I initially provided was incomplete. The credit loan assessor made it really easy for me to understand what was required to complete my application. I would definitely recommend them to anyone looking for a home loa

    Nicolas Tobon

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Excellent

4.5 out of 5