About Tic:Toc | Tic:Toc

Tic:Toc’s world-first technology allows you to apply for a home loan wherever you want, whenever you want. We’ve streamlined the application process to under one hour, so you can get a home loan quickly, and simply. Plus, our process lowers costs so we can offer you award-winning rates with no upfront or ongoing fees.

We offer a self-serve home loan application that you can complete online, all by yourself. But, if you don’t want to go it alone and would prefer speaking to someone, we offer a range of different channels to contact us on (chat, phone, email), so you can get answers in a way that best suits you.
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We're neither a bank or a mortgage broker! Tic:Toc is a platform technology company with an Australian Credit Licence (ACL).

We offer our Tic:Toc home loans directly to customers, and perform the loan assessment utilising our technology and brilliant home loan experts' expertise - which is how we keep our costs low and your savings high! The funds for our Tic:Toc home loans come from Bendigo and Adelaide Bank.

We also have the ability to match you with 100s of loans via our panel of approved lenders through our in-house broker offering, Tic:Toc + Choice.

Head to About Tic:Toc to learn more.
Tic:Toc is not associated or affiliated with TikTok in any way. In fact, we launched in 2017, well before ByteDance acquired the app Musical.ly and rebranded to TikTok.

We’re an Australian-owned and based technology company that specialises in building platform technology, and whilst we’ve got moves, we prefer to stick to building tech vs. choreographing viral dance challenges.

We’re also backed by the wonderful folks at Bendigo and Adelaide Bank, Australia’s 5th largest bank, and hold ourselves to extremely high standards when it comes to data and security. Our credentials include holding our very own Australian Credit License (we’re not piggybacking off anyone) and we’re an approved unrestricted accredited data recipient under the Consumer Data Right – just ask the ACCC.
It’s like a traditional home loan, but done completely digitally, online. It’s more than a digital form you fill out — we’ll assess your application as you fill it in, and we’ll verify your info as we go.

Never applied for a home loan without help before? Don’t worry. If you have questions, have a read of our FAQs, give us a buzz, or shoot us a message. We’ll be glad to help.
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For Tic:Toc home loans:

Your loan provider is Tic:Toc, which makes you a Tic:Toc customer. The funder of your loan is Bendigo and Adelaide bank, because they give us the money to lend to you (thanks guys).

What the bank does

If we approve your Tic:Toc home loan, the Bendigo and Adelaide bank then provides the online portal where you can make your loan repayments and access your offset account. They also process any changes you might want to make to your loan.

We partnered with Bendigo and Adelaide Bank because they’re a trusted bank, protected by the government's Financial Claims Scheme (FCS).

For Tic:Toc + Choice loans:

Your loan facilitator will be Tic:Toc, and we’ll partner you up with a lender from our lender panel. The loan will be funded by your lender, who has been carefully chosen by Tic:Toc (we’re a values-aligned business, after all). You’re still a Tic:Toc customer and will receive top-notch service from the same team of Home Loan Experts and our in-house broker team, who sit in our Adelaide HQ.

Learn more about Tic:Toc + Choice.

What Tic:Toc provides across both

At Tic:Toc, we offer you faster, cheaper home loans with our world-first online application technology and we continue to work on improving that technology to give you an even better customer experience.

Online home loans aren’t new, but at Tic:Toc, we’ve streamlined the application process to under one hour, making it the fastest and most convenient way to get a cheaper home loan with little or no fees.

Tic:Toc also takes care of the assessment process once you’ve applied for your home loan, requesting a credit check from a credit reporting agency and using it to assess your eligibility for the loan.
Is Tic:Toc a bank?

No, we’re not a bank. But we’re bank-backed.

So what does it mean to be bank-backed?

Tic:Toc has the backing of Bendigo and Adelaide Bank, and they help us out in a few ways, like funding our home loans, providing our offset accounts and importantly, giving our customers the protections a bank has in the unlikely event something goes bad. Read more on the Financial Claims Scheme (FCS) and why it’s important our offset accounts are covered under the FCS.

More than that, we have an agreement with them to fund our Tic:Toc home loans. This means when you get a Tic:Toc home loan, any funds we loan you come from the Bank. Because our tech is so efficient at assessing customers for a home loan, we get market-leading pricing on those funds, which means we can offer customers bank-grade products but with really low rates and no fees. It’s a no-brainer.

Us and the bank? We go way back. As an initial funder in our early days, Bendigo and Adelaide Bank continue to be an important shareholder, too. They’re invested in our future.

All of this means you’re still a Tic:Toc customer, though. And we’re still a lender, with an Australian Credit Licence to boot.

What’s in it for Tic:Toc?

Partnering with a bank enables us to:

reduce our overhead costs and offer lower interest rates
focus on being a tech company to innovate in the home loans industry
combine the best features of a bank (like offering a real offset account) with the best features of a Fintech (like applying 100% online).
We’re able to offer market leading interest rates and no upfront or ongoing fees because our online process lowers the cost of getting a home loan. Our world-first technology assesses your application as you complete it, drastically cutting the time and cost of assessing and approving your application. We can then pass this saving onto our customers, which is why our interest rates are so low.
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No! Tic:Toc doesn’t do honeymoon rates. Because of our efficient tech, we offer low rates all the time, and our rate changes are based on our funder (Bendigo and Adelaide Bank) and market forces such as the RBA cash rate. Honeymoon rates are designed to entice new customers to apply, but after the honeymoon period ends your rate gets hiked back up and you could end up with a less competitive rate than others currently on the market. You can learn more about the different types of rates in our Home Loan Guide here. And if you’re curious about how our rates have changed over time, you can take a look at our historical rate graph in our 'How banks and lenders set their interest rates' Home Loan Guide.
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The short answer: we’ve developed Australian-first digital efficiencies and eliminated buckets of overhead costs. We don’t just collect your application details in a digital form. We assess and verify your information in real-time, as you fill it in. Our efficiencies cut time and cost from the process, and we pass this saving onto our customers. There’s no ‘catch’ — we’ve just invented a new, better way to get a home loan.