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.

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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    The best customer service there is

    My experience refinancing with Tic:Toc matches most of the other reviewers here. They were incredibly fast, efficient, and friendly. Some extra information was required from me after my initial application, but I was able to provide it quickly and went from application to approval in a matter of a few days with no fuss. The customer service at Tic:toc is far and away better than that at any other bank I've dealt with. They really do set the standard for how it should be done.

    Tee

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    Extremely quick and easy application…

    Extremely quick and easy application process. The team at tic:toc were very responsive and happy to assist us with any questions we might have had.

    Chris Taylor

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    Great experience so far

    Haven't reached settlement yet but everything has been great so far. Quick to respond to my questions, smooth application process and highly competitive home loan rate.

    Roland Lambeth

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    Best lending experience possible

    We had possibly the best Lending Specialist/Credit Assessor in Australia. Trix was informative, professional and personable throughout the process and we are beyond grateful that she was our point of contact throughout our journey. What could normally be a confusing and stressful process, was enjoyable and calm thanks to Trix. Would definitely recommend Tic:Toc to others because they have amazing people in their teams.

    Alice Magill

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    Best rates, best service.

    My partner and I applied for a loan and were helped through the process by Jordan. We applied online, filled in all the details and were contacted the next day. Jordan was patient with us and really helped us with the process as it was the first time for both of us and we’d made some mistakes. From applying to approval was super fast. We decided to change the structure of our loan a few times and every time the new approval came incredibly quickly. The time it took Jordan to have our loan done for us was faster than it would have taken us to get off hold with ANZ. We had our approved loan before we even got a call back from St George even though we applied for both on the same day. The whole experience felt super supportive and Jordan made it so easy!

    Olivia

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    Fantastic it will be 36 days from…

    Fantastic it will be 36 days from application to hand over almost seamless thanks so much

    Patrick Godde

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    Would recommend

    Quick, friendly, responsive.

    Liam Gallagher

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    Can I say 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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    Seamless and professional

    My experience was very pleasant. Tim Jiang was a pleasure to deal with. He was prompt and helpful and answered all my questions in a professional manner.

    Verónica

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    So easy!

    Simple process, helpful and knowledgeable staff

    Anna

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Excellent

4.5 out of 5