Online home loans, plus more

Real-time assessment combined with real service.

"Your home loan has been approved!" mobile phone

Some of the reasons you'll love us

We combine leading technology with amazing humans. So, you can get the fastest online home application, with people who’ll take the time to explain how a variable rate works.

  • Save time

    We assess you as you complete your application, which means your home loan approval comes faster.

  • Save cash

    Reap the rewards of a truly digital home loan: award winning home loan rates, with no fees.

  • Own your process

    Get your loan on your timeline, with exceptional human experts available to chat when you want help.

  • Get full approval

    Get full or conditional approval (subject to property). We do both. Get full approval for maximum confidence at auction.

  • Ditch paperwork

    By linking your accounts, we can verify your income and expenses without paper. Responsible, and fast.

  • Secure process

    Get tech-nerd grade security, encryption and hosting. Plus, confidence in our Australian Credit Licence and backing by Australia's fifth largest bank.

How does Tic:Toc have such low rates?

Tic:Toc's technology has the ability to automate the entire home loan process.

And if an application does require human assessment, we only assess the bit our tech couldn't. This makes our home loan assessment at least 80% more efficient than the bigger lenders, and we can pass that saving straight to our customers. Plus, our human home loan experts get to spend more time helping our customers and less time being number crunchers. Helping customers is where we get our kicks.

If you choose to see a broker, you probably won't pay them a fee. But they’re getting paid by someone... your lender. These costs are recovered through the interest rate you pay, as well as additional fees and charges incurred at the start and throughout the life of your loan. We offer our home loans direct to customers, so we can cut out the middle man, and the cost.

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What your loan costs your funder

And how much you can save by embracing technology to do home loans, smarter.

BrokerTic:Toc
Assessment & processing $4,000$100
Origination commission $2,450$2,800
Trailing commission $2,100$2,100
Total costs$8,550$5,000

These costs are based on the Australian average loan size of $350,000 for a live-in principal and interest loan with a 4.0% interest rate, over a 4 year term.

These are approximate figures, based on industry intel because “information on the relative costs of different distribution channels is not readily available”. Though we know “distributing through mortgage brokers… has a higher transaction cost” while “the cost of processing the loan… is likely to be similar between the [broker and direct to lender] distribution channels”. (Deloitte Access Economics, The Value of Mortgage Broking July 2018, p30).

No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers.

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See what our customers are saying

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    Fast, friendly and easy!

    Very fast and extremely simple process to buy our investment property. Fast loan approval, no waiting on hold to reach staff and excellent friendly service with a great low rate and low fees. Very happy!!

    Garnet and Kristy New

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    The best refinancing experience I have ever had

    A seamless experience in refinancing my home loan. My credit assessor, Barb, was very helpful and guided me through the process in as painless a way as possible. Loan was approved within a week. Thank you!

    Aron Cranenburgh

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    Quick easy and painless process

    Quick easy and painless online process. We VeriSign'd the contract so there isn't a need to go to an office somewhere. Rare option to have offset account and fixed rate at same time. $10 a month is a small price to pay to reduce interest on a loan by 10s to 100s of thousands of dollars. I am not a qualified finance person but it seems to me a very good option for mortgage. So far we are very happy with TicToc I did a previous review being upset at the IDs required for verification, but I realised the complaint was misdirected as the TicToc documentation did clearly state the IDs required. I had just spoken to the verification person and trusted the verbal information given (which left open a lot of other ID options that aren't actually accepted). So we can chalk up my previous complaint to 3rd party miscommunication and the value of looking things up yourself.

    Zandra Pavicic

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    Overall pretty good

    Overall pretty good. Most everything was very clear and steps and instructions were relatively painless. The only issues was the VOI guy said 2 forms of government issued picture IDs. I gave him one of my AU clearance IDs and my driver's licence which both comply with his requirements but he wouldn't accept the clearance ID. He insisted on me handing him my passport. Well it was already packed away because nowhere was my passport required until he was already at my house. It was a major inconvenience really!

    Zandra Pavicic

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    Excellent Communication strategy and…

    Excellent Communication strategy and always had time to answer calls, assist with queries. Very professional.

    Simon Bernroider

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    Rates had me interested, communication had me sold!

    I first tried to get a TicToc loan about 8 months ago but was informed as I was on a Casual work contract I wouldn't be able to secure pre-approval until I'd completed 12 months with my current employer. In Feb 2020 I went with a broker for pre-approval however the communication was poor and every 2 weeks the recency of my documents kept lapsing leaving me to upload new statements repeatedly. For the hell of it I went back to TicToc and whilst they didn't approve my initial amount, they gave me pre-approval of a lower amount which was more than enough to go property shopping with. When I sent through the Offer/Acceptance, communication was very swift, documentation was sent promptly and considering this clashed with Easter/ANZAC long weekends they kept me, my conveyancing team and the agent informed at all times. In hindsight I'm super thankful the previous broker messed me over as im now with a great lender, the formal approval was quick, loan docs easy to understand and best of all I came out of it with the best interest rate possible. A big thanks to Raff from Tic Toc - he kept me as a client even after the initial application wasnt going to be successful.

    Melissa

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    In the past we’ve used a broker but I…

    In the past we’ve used a broker but I didn’t want to pay the premium to do so given we’re taking a large mortgage for our family home. I was certain it couldn’t be too hard. Not only was it super easy, we both found it way easier and less stressful. The Tic Toc team were amazing, communication was in abundance and we were always clear on what was required when and what was coming next. Highly recommend, very impressed

    Camille Peressini

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    Highly recommend service

    Highly recommend service. I dealt with Brett Smid and he was awesome and went over and beyond to get refinanced of my home loan at such an awesome interest rate. The process was excellent and I am very happy 😊

    Chayil Aquinos

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    Brilliant service

    So happy with the entire refinance process. Communication was fabulous and the whole process was super quick and easy. I would definitely recommend Tic Toc to anyone looking to refinance.

    Trudie Colville

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    I highly recommend Tic Toc

    Recently switched from the Big Four to these guys. They were flexibile with changes (I changed my loan duration a couple of times). Signing documents is fast and easy - everything is online. They also gave me the original rate they agreed upon, inspite of a rate rise. I feel good about being with a company which is affiliated with banks which don't invest in fossil fuels (Adelaide & Bendigo).

    suji upasena

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