P&I
Live-in
5.04% p.a.
Interest rate
5.05% p.a.
Comparison rate
Please note if you add an offset account, your comparison rate will change.
P&I
Live-in
5.49% p.a.
Interest rate
5.14% p.a.
Comparison rate
Please note if you add an offset account, your comparison rate will change.
There are a lot of different factors that go into calculating how much you can borrow for a home loan. We’ve designed our borrowing calculator to be a faster and simpler way to get an estimated answer. Every lender has their own way of calculating borrowing power so you might get different results with other home loan calculators. Our home loan borrowing calculator takes into account the type of loan you’re applying for, your income, and your expenses to give you an idea of how much you can expect to be able to borrow.
FREQUENTLY ASKED QUESTIONS
Hungry for more numbers?
Looking to buy a home to live in or an investment property? Work out your upfront costs.
Stamp duty calculatorNot sure how your rates stack up? Find out how much you could save by refinancing.
Refinance calculatorDoes your home loan fit within your budget? Find out what your repayments will be.
Repayments calculatorThis borrowing power calculator is a guide only, and gives you an estimate of how much you could borrow with Tic:Toc, based on the income and expenses you entered, our current home loan interest rates and an assumed loan term of 30 years. You’ll still need at least a 10% deposit (and for deposits below 20% Lender’s Mortgage Insurance (LMI) is applicable).
We’re responsible lenders, so we calculate your borrowing power using the higher of your estimated expenses and your HEM (Household Expenditure Measure – an Australian average expenditure benchmark). Find out more about borrowing power.
You’ll get a real assessment when you begin an application, and enter the specifics of the property, your loan type, personal details and your financials. This is not credit approval. Find out more about our eligibility criteria here.
Digital Lender of the Year
We're motivated by helping customers, not by awards. But as the OG digital home loan, this is one that makes us pretty proud. Tic:Toc was awarded 'Digital Lender of the Year' in Canstar's 2022 Home Loan Refinance Awards, when compared to more than 930 home loans across the market.
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. We’re transparent with our rate history, you can read about it here.
Our current rates
Our rates are current as of 24 March 2023; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. You can find all of our roll-to rates here. If the interest only period is not specified, the comparison rate is calculated on a one year period.
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
