Variable
P&I
Live-in
5.04% p.a.
Interest rate
5.05% p.a.
Comparison rate
CALCULATE LOAN REPAYMENTS
Home loan repayment calculator
Calculate loan repayments and find out how much you can save.
Your home loan
This is the loan we think you’ll love, based on what you’ve told us. But you can check out all our other sweet home loan options.
Variable
P&I
Live-in
5.04% p.a.
Interest rate
5.05% 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
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Some of the reasons you'll love us
We combine leading technology with amazing humans. So, you can get lower home loan repayments, 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 a streamlined process and 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.
FREQUENTLY ASKED QUESTIONS
Save time with an instant answer
Apply in 3 easy steps
Apply online and get help from local home loan experts when you need it.
1
2
3
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.
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.
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
Get home loan smart
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Home loans explained
Is your financial situation serviceable? Serviceability explained
Home loans explained
What's an offset account?
Investing
Why LMI isn't just for first home buyers
How this home loan repayment calculator works
This home loan repayment calculator/mortgage repayment calculator is a guide only, and gives you an estimate of what your repayments will be with Tic:Toc, based on the loan amount and loan term you entered, our current home loan interest rates and the loan variables you choose. You’ll still need at least a 10% deposit (and for deposits below 20% Lender’s Mortgage Insurance (LMI) is applicable). The maximum term of interest only loans is 25 years. 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.
Legal things about our rates, no tricks
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.