how much can you save?

Refinance home loan calculator

You may be paying way too much for your home loan. Find out how much you could save by refinancing with Tic:Toc.

Your current home loan details

Your home loan options

  • Variable

    • P&I

    • Live-in

    • 3.59% p.a.

      Interest rate

    • 3.60% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • Unlimitedadditional repayments
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank
  • Fixed 1 year

    • P&I

    • Live-in

    • 4.59% p.a.

      Interest rate

    • 3.74% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • $20,000additional repayment limit per year
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month
    • 3.64%roll-to-rate after 1 year

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank

WHY REFINANCE?

It pays to refinance

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FREQUENTLY ASKED QUESTIONS

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Refinance in 3 easy steps

Apply online and get help from local home loan experts when you need it.

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  1. Apply online

    Your application should take about 20 mins to complete. We will ask you some basic questions about you and your property to check your eligibility. Then we will need to verify your identity, financials and run a credit check. Have a digital copy of your ID and key documents ready to upload.

  2. Approval

    Once completed we'll tell you whether or not you're approved — or declined. Once you are approved we will send over a contract for you so you can sign.

  3. Your job is done

    The final step is settlement. This is where the money changes hands from your current lender to Tic:Toc. The date is generally worked out by our solicitor/conveyancer and your current bank’s settlement department. It can take up to 4 – 6 weeks.

    Hooray, you're done. Well done you! Enjoy your savings.

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How this refinance calculator works

  • This refinancing home loan calculator is a guide only, and gives you an estimate of how much interest you could save by refinancing with Tic:Toc, based on the Tic:Toc loan type selected for comparison, and the loan amount and loan term you entered. You’ll get a real assessment when you begin an application, and enter the specifics of the property, your loan type (including whether or not you select an offset account), personal details and your financials.

Legal things about our rates, no tricks

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 26 August 2022; 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.

Rate Match Terms and Conditions


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.