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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