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.

Joe Rugari

Data Scientist

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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    So easy, so supportive.

    A streamlined, fully online process that was simple to follow with awesome and prompt human support to iron out the hiccups along the way. We felt supported and confident throughout the process. A big difference from our previous lender.

    Samalinda Schroder

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    Tic:tok were professional and efficient…

    Tic:tok were professional and efficient from the very start. My loan was approved quickly and I felt supported through every step. I would recommend them.

    Ange

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    Home Loan Process Made easy

    The process was very smooth for pre and final approvals. Emmalene Bates was our credit assessor-she made it very easy for us to navigate complex questions and gave us a quick turn around time. We were also supported well through out until the final contract was signed. The customer care is very good and the wait tines are minimal , so easy to access. We were given all the information up front and the processing times were very quick. Highly recommend them.

    Ankur Sharma

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    Best rates and exceptional service from Tic:Toc Home Loans

    Its been an absolutely smooth experience refinancing our property over to Tic:Toc. We applied online via Tic:Toc website and got a response from our credit assessor Triscina (@Trix) within 24hrs. Trix has been very helpful, super easy to contact, proactive and overall great to deal with in this whole process. We were provided with much needed advice and support during the refinance process and our application was approved within next 48 hrs. The whole experience with Trix and Tic:Toc was so good that we ended up refinancing two more of our properties over to Tic:Toc, again with Trix helping us throughout the process. Tic:Toc platform was easy to use as well and we got prompt notifications via SMS and email at every step of the process. Best rates plus amazing service = happy customer :)

    Manoj Sijwali

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    Easy and quick

    Great experience！

    Evan

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    Home loan at it's finest…

    Sara has been super friendly and helpful throughout our application process. It's so refreshing to speak to real person and without waiting hours on the phone. Not to mention great rates too.

    patrick ubonsuwan

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    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

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    Tic:TOC was great to deal with

    Tic:TOC was great to deal with, their online application was easy to understand and when they needed more information near the end of the process I received a call and follow up email within 24 hours. Their legal team was quick to respond to emailed documents, their ID verification process was easy to use. Of all the loan applications I’ve done over many years Tic:TOC was by far the most efficient and least painful one. No one wants to go through refinancing loan applications, but I would recommend Tic:Toc without a second thought!

    Ash

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    Great experience

    Great experience. Quick and friendly

    Customer

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    Effective and smooth means of securing…

    Effective and smooth means of securing a loan for an apartment. Virtually completed with only one F2F transaction (ID checking) the process was effectively designed and executed. Recommended for the short of time and those used to online service provision. Very helpful staff available that steered my journey

    graeme horne

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Excellent

4.7 out of 5