Need more info about what’s involved when applying for a home loan? We’ve got the answers.
Before you start, get a better idea of what to expect. Your application will take about 30 mins to complete. Be sure to have some key documents ready like a digital copy of your ID. When you’re confident and ready, just start our online application.
We offer a form of conditional approval at Tic:Toc, which is everything we can assess without knowing your property. Our preferred option is to give you full approval, giving you maximum confidence. But our digital application can work towards either. We understand everyone shops for a house differently, and sometimes conditional approval may suit your needs better. So, here’s how it works.
What does conditional approval (subject to property) with Tic:Toc look like?
Our conditional approval is for applicants who are red-hot ready to get a house and are actively attending opens and auctions. Once you receive conditional approval, you’ll have 60 days before the application lapses and you’ll need to resubmit your financials. So only apply if you’re confident you’ll be purchasing within the next two months.
Subject to property means we can assess you as much as possible until the only outstanding item we need from you is your choice in property. When you find the right one, just let us know and we’ll do some other checks (including giving your property the double-thumbs up) to complete your assessment and hopefully it's full approval from there.
Our online application asks for details about the property you’d like to purchase. If you are seeking conditional approval (subject to property), we’ll only ask for the suburb you’re looking to purchase in. If you’re considering multiple suburbs, just choose the one you’re most likely to purchase in. When you find the right home down the track, let us know the address and we’ll update your application.
It’s important to understand our general application eligibility before applying, as we can’t lend to everyone or to all properties in all locations. If you’re unsure, just ask us. We’re available to chat 7 days over the phone or through our LiveChat.
We also run a credit check on your file during the application, so make sure you’re really ready (we’re not an online lead-capture form, we’re the real deal trying to give you a real, digital answer).
Our digital application has the ability to fully approve you on the spot. Our quickest ever full approval to date was just 58 minutes. But sometimes we can hit delays if we need a little more info. Opting for manual financial validation instead of securely linking your accounts slows us down significantly, and one of our Credit Assessors will need to step in to assist. Submitting an incomplete application or providing inaccurate estimates of your expenses (or any information regarding your income, expenses and debts which doesn't match your actual situation) also requires timely manual work. Again, make sure you’re really ready before you apply.
If your application is urgent or you’re trying to meet a deadline, please contact us as we may be able to escalate your application.
What does full approval with Tic:Toc look like?
If you’re super serious, you’ll know exactly which property you want to purchase. Go further than conditional approval and apply for full approval.
To give our full approval for the property we need to confirm its value by doing one of two things: conduct a satisfactory valuation, which we can do instantly as part of our application with an automated valuation (AVM) OR if we’re unable to get an AVM, receive a signed copy of the purchase contract (once you’ve made an offer).
We’ll always try to conduct an AVM first where possible, because (as the name implies) it’s automatic and, like, scary-good accurate and way faster. Not all properties or applicants will be eligible for an AVM, so if we can’t conduct one on the spot, we’ll need to order a desktop or a full valuation. This will take slightly longer. If you’ve already got a signed purchase contract, we can usually skip the valuation step (unless you require LMI, or if your property is classed as “high density” — then we’ll need to order a full valuation).
P.S: you’ll pay nothing for the valuation, even if we have to order a full valuation. Tic:Toc gobbles the cost. Because if we can't do it instantly using tech, we make it our problem, not yours.
To apply for full approval, give us the exact address and complete the rest of the application. We’ll let you know where you stand by giving you an answer on the spot: it’s either a “yes”, a “no”, or a “we need more info”.
If it’s a “yes”
Once we fully approve your application, we really mean it. Your last hurdle will be signing the documents and then settlement — after that, the house is 100% definitely, forever-until-you-sell, yours, and no one can steal the deed.
If it’s a “no”
Please don’t be offended if we decline your application. There are many reasons we might have to do this. We wish we could tell you specifically why sometimes, but we're not allowed to disclose the exact reason for declining an application.
If we find a red flag as you’re filling out the application, we’ll halt it and let you know straight away so you don’t waste any more of life’s most precious commodity — time. We check for things like address eligibility, your credit history, your status as an Australian citizen or permanent resident, and of course your financials.
We know that not everyone will be suitable for a Tic:Toc home loan. If you’re not a match right now, don’t hesitate to check again later in the future. We’re still friends, right?
If it’s a “we need more info”
We refer to this as a ‘refer’ (ha). If we need a little more information, we’ll refer your application to one of our Credit Assessors. This is where a member of our team will jump in to help bring your application up to scratch and over the line. Our Credit Assessors can usually move fast, and your application can sometimes be completed quite quickly, especially if you’re proactive in responding to their requests for more information.
Sometimes they’ll only need one or two things — some updated payslips or a bank account statement. Everyone’s unique, so if your specific situation is more complex than most, they might ask you to provide more detail. If you’ve chosen to validate your financials manually, they’ll typically need to request more info from you and it will take longer to assess your application. When you choose digital validation, they receive the exact same information, just much faster.
How do I bid at auction?
It’s common for buyers to bid with only pre-approval, which can be quite risky. Since auction sales are typically unconditional and final, you are required to pay your deposit immediately after the hammer falls. But with pre-approval, your lender hasn’t guaranteed to lend you funds, and could decline to lend (perhaps emotions ran high and you bid well over the top with an amount the lender was unprepared to lend you).
Or, you can aim for full approval, where you provide the exact address. We’ll take you and your application as far as we can — we’ll validate everything, run our checks, and will be waiting with the rubber stamp. If (and only if) we were able to run an automated valuation (AVM) during the application, you’ve been fully approved and you can go to auction with maximum confidence. (It’s normal for the selling agent to be shocked when you tell them your bid is unconditional on finance — Tic:Toc’s full approval is unique in the Australian market).
If we can't run the AVM, you won’t be able to bid at auction with full approval. We’ll need to order a full or desktop valuation before we can fully approve you. Or, if you’ve got a signed purchase contract already, send it to us so we can use the value from that.
There are a few scenarios where we won’t be able to run an AVM. If you require LMI, if you are purchasing a high density property, or if the property you’re buying has a value of more than $2 million — we won’t be able to run an AVM (sorry). Sometimes the property is just too obscure, or there’s not enough sales data on the suburb to run the AVM (looking at you, Thorngate SA).
If you intend on using full approval to bid at an auction, let us know. Speak with your Credit Assessor or chat with our Home Loan Specialists on 1300 842 405, or through our LiveChat. We can help you through the process.
What if I don’t get the property?
Whether you had conditional approval and your offer didn’t interest the vendor (it can be competitive out there!), or if you had full approval and your settlement fell through for some reason — just let us know. If you want to continue house hunting, we can help. If you need to change the suburb you’re looking in, or if you’ve found a specific property, contact your Credit Assessor or speak to one of our Home Loan Specialists over LiveChat or on 1300 842 405. There’s no need to submit a new application (and incur multiple credit checks!). We can alter your existing application.
Read more about applying for a Tic:Toc home loan.
For a Tic:Toc home loan, you must be an Australian citizen or a permanent resident living in Australia to be eligible for a Tic:Toc home loan.
With Tic:Toc + Choice (our in-house broker offering), there are some loan offerings where we require at least one applicant to have permanent residency status.
There are some lenders who will lend to foreign citizens or expat Australians living abroad and wanting to buy investment property in Australia, but there are usually higher interest rates attached to such loans and a larger deposit is often required.
Certain foreigners and visa holders may also be required to pay a surcharge on stamp duty and possibly land tax, depending on which state they want to purchase in.
To find out the other eligibility criteria you’ll need to meet when applying for a Tic:Toc or a Tic:Toc + Choice home loan, visit our eligibility page.
You’ll need the following things when buying your first home:
A deposit for your home loan (usually 20% of your loan amount, or 10% if you pay LMI)
Funds to pay for government and third party fees
Your bank statements
PAYG summaries
Income statements
Details of any other debt or financial responsibilities you currently have
With Tic:Toc you can get a first home owner loan with a minimum 10% deposit. If you have less than a 20% deposit you’ll need to pay Lenders’ Mortgage Insurance (LMI). LMI protects the lender in case you can’t make your repayments, the cost can be added to your total loan amount (but keep in mind this means you’ll have less to spend on your home). You’ll also need additional funds to cover any government and third party fees.
To apply for a Tic:Toc home loan, have a look at our eligibility to see if we could be a good fit. Then, take a look at our home loan options to see if any of our investor home loan rates catch your fancy. When you’re ready, apply online. Our digital application should take around 20 minutes to submit.
Just hit the apply now button to start an application, and follow the prompts.
There are a few points to consider when applying with your plus one. In order for us to consider your application:
Have any questions? Chat with us before you apply.
How and when will my credit history be affected when I start an application?
Once you get to the personal details section of our application and agree with our Privacy Policy and Credit Guide, our platform will trigger a credit check from the two main credit reporting bodies in Australia: Equifax and Illion.
How does a lender get my credit score?
Credit scores generally range from 0 to 1200, with higher scores suggesting lower risk to the lender. They are calculated by the credit reporting bodies using information in your credit report, including your repayment history; length of credit history, how much debt you have and the types of credit you've applied for.
Higher credit scores are an indicator that you’ve demonstrated responsible credit behaviour, making lenders more likely to lend to you, while lower scores may make it harder for you to qualify for a loan or get a lower interest rate.
You can improve your credit score by making your repayments on time, paying off your debts quickly, keeping your credit card balance well below the limit and only applying for credit when you're serious.
Credit reporting bodies supply us with your credit history report (and your credit score) so we can responsibly assess you for your home loan. Our enquiry remains on your file, which is like having a post-it that says "Applied for a Tic:Toc home loan". This is a standard check that all lenders do for both pre-approval and full approval.
Do multiple loan applications affect my credit rating?
Having multiple credit enquiries on your file can impact your score negatively, particularly when made in a short period of time, because it can look like you're shopping around for lots of different loans. Lenders may ask you to explain recent enquiries on your credit report if they cannot reconcile them to your existing credit commitments.
If I have a good credit score will I automatically get approved?
A good credit score isn't the only thing lenders use when assessing your application. There are many other factors that lenders need to consider, and each lender has their own requirements.
If you're interested in learning more about how credit reporting works or to check your credit score, you can visit:
There are three ways Tic:Toc can value your property:
What is an Automated Valuation Model (AVM)?
If our tech can get a good read on your property, we'll do an AVM, which means we will value your property instantly by analysing values of comparable properties. How? We've integrated external providers, existing property and land databases and our own tech models to get a very good estimate of the value of your property.
What is a desktop valuation?
If we can't value your property instantly, we'll need to do a desktop valuation or full valuation. A desktop valuation is when an accredited valuer uses publicly available information such as tax records and comparable sales in the area to work out a property's value.
What is a full valuation?
A full valuation is when we arrange for an independent and qualified valuer to inspect your property and issue a report with the valuation. This may be required if:
In a full valuation, the licensed appraiser visits the property, takes photographs and measurements, and evaluates the location, features, selling points and overall condition of the property.
The good news? You won't need to pay any valuation fees, because we pick up the cost. Because if we can't do it instantly using tech, we make it our problem, not yours.
First, we’ll ask you some questions about how much you think your monthly expenses are.
Then, when you link your accounts or upload your financial statements, we'll validate your stated expenses by comparing them to what's coming in and out of your accounts. Our platform can do this digitally using our data models, which makes Tic:Toc a leading responsible lender. If you're a low spender, we use an Australian average expenditure benchmark called the Household Expenditure Measure (HEM) as a baseline for what your household would typically spend. This was developed by the clever humans at the Melbourne Institute of Applied Economic and Social Research.
What do we do with that information? We use it to make sure you can afford to repay the loan. Which you’ll thank us for later.
When you apply for a Tic:Toc home loan, the online form we provide isn’t just a 'contact us' or lead capture form, it’s a real loan application form with a real home loan at the end if you’re successful.
That means you’ll need to have your actual documentation at the ready, which includes;
And that’s it! Applying for a Tic:Toc home loan is as easy as it gets! Once you submit your documents and your application, we’ll either approve your loan on the spot or let you know if we need further info.
And remember, if you have questions or are unsure about anything in our application process, don’t hesitate to check your eligibility here or talk to our online chat consultant, who’s standing by to help.
Yes, you will need to provide details of your income when applying to purchase or refinance a property. You will also need to verify this information by providing proof of income.
With Tic:Toc’s instant digital verification, we can verify your income on the spot, typically without the need for further documentation. In some cases, however, we’ll need to see some old-school original documents.
The short answer is no. But you'll always have a seriously competitive rate.
Think of it like this – when you get a Tic:Toc loan, we’ve locked in a ‘price’ with our funder (Bendigo and Adelaide Bank) for that loan, which is reflected in your interest rate.
When we have a new variable rate for new customers, it means we’ve been able to lock in a lower price with our funder. It doesn’t change the price we secured for your loan. So, having a lower rate for new customers doesn’t mean we’re making more money off our loyal customers to pay for the discount – because we don’t believe in that. It means our funder has been able to give us a better price at that specific time. At some point, our funder may actually increase the price they’ve agreed with us, which means the rates for new customers will go up. And some existing customers will be better off.
The new rate offers work differently to cash rate changes. If there’s an RBA cash rate cut and our funder’s costs ease, they may be able to pass on the cut which means all our customers will receive the same discount off their rate – new and existing. The good news is, all of our rates are seriously good because of our tech-driven proposition. And even if your rates are a fraction higher than the new headline rate, you will still be saving thousands compared to the average loan.
You can access a history of our Variable P&I Live-in rates and offers in our article on how banks and lenders set their interest rates.
You bet. All the loans we have are available online only. Before you start the application process though, you’ll need to check your eligibility.
If you can answer yes to these questions, there’s a good chance we can help you:
If you answered yes to all of these, we could be a good fit for each other.
Want to learn more about the loans we offer? Check out our home loans page.
Still have questions? Check out our FAQs or speak to our online chat consultants - they're real people ready to assist.
Stepping onto the housing ladder for the first time also means accessing great first home buyer benefits. Most states offer some form of stamp duty/land transfer duty discount. New South Wales, Queensland, Tasmania, Victoria, Western Australia, and the ACT all offer either a full exemption or partial concession on stamp duty/land transfer duty for first home buyers. Unfortunately, South Australia and the Northern Territory don’t currently offer any form of stamp duty/land transfer duty discount for first home buyers at this time.
Despite common belief, you don't always need a middleman - you can complete our online home loan application all by yourself!
Tic:Toc's world-first technology allows you to apply for a home loan wherever you want, whenever you want. We perform the loan assessment utilising our technology and brilliant home loan experts' expertise - which is how we keep our rates an fees low and your savings high.
Our home loan application is simpler and easier, so we do things a bit differently from the traditional home loan process. Tic:Toc is a completely digital, 100% online application. Meaning you don't need to dress up and pop into a branch or go see a broker. To get started check over our eligibility, read up about what documentation you may need, and then you can start the application when you're ready.
Keep in mind: our application is the real deal. It's not just a form that captures your details so we can call you back later. We'll be assessing you in real time, running a real credit check, and asking you to verify your financial information.
It's a true DIY home loan. So go at your own pace, in your own time.
But, you don't have to go it alone. If you just want to have a chat, our all-star cast of home loan specialists are here to help 7 days a week and in whatever way best suits you (chat, phone, email, IG DMs, carrier pigeon…).
All you need to do is apply, provide any info we need, post back loan docs and get your loan settled. Take a look at our application process here - it doesn't get any simpler than that! So let's get started.
Wondering how the application process works?
Chances are, your application will take place from the comfort of your home. Laptop, phone, or Smart Fridge – whichever device you're using, it's easy to apply with Tic:Toc.
Our application is the real deal
We're challengers, and we like to do things differently. This includes our home loan application – it's quite unique and works differently from any home loan application you may have been through before. What you're filling out isn't a 'contact us' form or a lead capture form. It's the real deal. A bonafide, genuine, application which, if you're approved, you will receive a real loan for. We also run a credit check which will appear as a credit enquiry on your credit file.
Beginning the application
Starting with your eligibility, we'll ask a few basic questions about the property you'd like to purchase. We run a quick check on the property to make sure we can lend against it, and then we'll ask about your priorities for having a home loan. Our system will recommend a loan product for you (for example, a Variable Live-In Principal and Interest home loan or a 2-year Fixed Live-In Principal and Interest home loan).
Then, we'll get to know each other. We'll ask for your name and D.O.B., then digitally verify a form of your ID. You can use your Drivers Licence, a passport, your Medicare card or a foreign passport with an Australian Visa. Please note: at this point, we'll run a credit check.
About your financials
We'll ask for a bit of information around your current financial situation. You'll have the opportunity to provide a thoughtful estimate of your income and expenses, as well as information about your current commitments (such as any existing home or car loans).
Then to instantly verify the info, you can securely link your bank account(s) so our in-house technology can fetch read-only copies of your transaction statements. Don't worry – we use bank-grade tech to do this part, and no one at Tic:Toc will ever see your bank logins.
Don't feel like using our digital validation? That's ok. You can manually upload copies of your transaction statements, but we'll need a Tic:Toc team member to review these, so it'll take a little longer.
After you submit your financials, our application will come to a decision. If you're approved, congrats! Wait for the settlement process.
If there's something we need to look into further, we'll let you know and one of our Credit Assessors will be in touch shortly.
Where do I add my partner's income?
Both yourself and your partner, separately, need to provide evidence of your financial position. We will ask the primary applicant first and once they have successfully provided their financial information, the application will then run through the same questions for the second applicant to input their financial details.
We'll only ask you to provide an estimate of your household expenses once. We ask you to consider your combined expenses, and we won't ask you to provide separate expense estimates for the primary and secondary applicants. We'll ask for this information as the primary applicant is filling in their financial info, and before we ask the secondary applicant to provide their financial info.
And that's it! Applying for a home loan couldn't be easier.
The home loan application process can be complex and time consuming and you may be unsure about whether you have the relevant documentation or whether your credit history is good enough to qualify you for a loan.
Even though we’ve streamlined things as much as we can, you may still have questions regarding;
Can't find what you're after in our FAQs? If you’d like more info about your home loan application or you aren’t 100% sure what we're on about, here are the ways we can help you;
At Tic:Toc, we’ve used our ground-breaking tech to strip the cost and complexity from home loans and our world class customer service is doing the same for the application process.
Our all-star cast of home loan specialists are here to solve your problems 7 days a week. They have more than 100 years of combined experience between them and they’re just a mouse click, phone call or email away.
After you’ve applied, we’ll let you know where you stand by giving you an answer on the spot: it’s either a “yes”, a “no”, or a “we need more info”.
If it’s a “yes”
Once we fully approve your application, we really mean it. Your last hurdle will be signing the documents and then settlement — after that, the house is 100% definitely, forever-until-you-sell, yours, and no one can steal the deed.
If it’s a “no”
Please don’t be offended if we decline your application. There are many reasons we might have to do this. We wish we could tell you specifically why sometimes, but we're not allowed to disclose the exact reason for declining an application.
If we find a red flag as you’re filling out the application, we’ll halt it and let you know straight away so you don’t waste any more of life’s most precious commodity — time. We check for things like address eligibility, your credit history, your status as a citizen or permanent resident, and of course your financials.
We know that not everyone will be suitable for a Tic:Toc home loan. If you’re not a match right now, don’t hesitate to check again later in the future. We’re still friends, right?
If it’s a “we need more info”
We refer to this as a ‘refer’ (ha). If we need a little more information, we’ll refer your application to one of our Credit Assessors. This is where a member of our team will jump in to help bring your application up to scratch and over the line. Our Credit Assessors can usually move fast, and your application can sometimes be completed quite quickly, especially if you’re proactive in responding to their requests for more information.
Sometimes they’ll only need one or two things — some updated payslips or a bank account statement. Everyone’s unique, so if your specific situation is more complex than most, they might ask you to provide more detail. If you’ve chosen to validate your financials manually, they’ll typically need to request more info from you and it will take longer to assess your application. When you choose digital validation, they receive the exact same information, just much faster.
After full approval, here's generally how it works:
If you’re buying a property for yourself, we pay the seller the agreed price and your home loan begins.
If you’re refinancing, we pay out your existing lender and your new loan begins.
Then you’ll sign the contract for your new home, pay your deposit to the agent and confirm your final settlement date, which is usually 30 – 60 days.
Other things you’ll need to take care of include building insurance for your new property, organising for the utilities to be switched over on settlement day and having your mail redirected.
Then the only thing left is to wait for the phone call, grab your new keys and get the party started!
How long does it take for a home loan to be approved?
Generally we’re pretty quick, but the time it takes us to get to your application can change depending on how many applications we’re currently receiving and the complexity of your application.
After you apply, we’ll let you know if we’re experiencing any delays. Once we pick up your application for assessment, we start working towards approval. Things will move really fast here. If you’re ready and can respond quickly to requests from our Credit Assessors, you and your application will be fully assessed in no time.
The quickest we’ve ever fully approved an applicant from the time they submitted their application (including assessment, verification, and running all our digital checks) was 58 minutes. Try doing that at a bricks and mortar lender!
Because our application process is entirely online, we’ve been able to streamline it right down to the basics. We reimagined home loans from the ground up, making it more efficient and easier to understand. Because home loans should be simple.
Once you’ve completed the application process (and real-time assessment), you’ll either be instantly approved (huzzah!), politely declined (sorry), or referred to one of our home loan experts to fill in any blanks.
If you're approved, you'll get an email from us with next steps, along with your home loan contract. You’ll also get a settlement pack which will outline further steps such as getting an in-person ID check.
At Tic:Toc, we’re able to offer interest rates that are lower than many other lenders in the market thanks to our tech efficiencies, and because we have fewer overhead costs. That’s why we can also offer low or no fees with our home loans.
What may delay my home loan approval?
Sometimes we can hit delays if we need a little more info. Opting for manual financial validation instead of securely linking your accounts, submitting an incomplete application, or providing inaccurate estimates of your expenses (or any information regarding your income, expenses and debts which doesn't match your actual situation) may require manual work for you and our credit assessors. These things all slow us down significantly. So make sure you’re really ready before you apply.
Our rates have proven to be quite popular, so we receive large volumes of applications from time to time. During these times, it takes us a little longer than we’d like to assess and approve your home loan application, and we’ll be sure to communicate this in a timely manner. We’re continually growing our team and are working hard to keep up with demand.
If your application is time-sensitive or if there is a deadline you’re trying to meet, please speak with our team to get an understanding of our current turnaround times. You can chat with us over LiveChat or on 1300 842 405.
What happens if my application needs to be reviewed by a Credit Assessor?
We refer to this as a ‘refer’ (ha). If we need a little more information, we’ll refer your application to one of our Credit Assessors. This is where a member of our team will jump in to help bring your application up to scratch and over the line. Our Credit Assessors can usually move fast, and your application can sometimes be completed quite quickly, especially if you’re proactive in responding to their requests for more information.
Sometimes they’ll only need one or two things — some updated payslips or a bank account statement. Everyone’s unique, so if your specific situation is more complex than most, they might ask you to provide more detail. If you’ve chosen to validate your financials manually, they’ll typically need to request more info from you and it will take longer to assess your application. When you choose digital validation, they receive the exact same information, just much faster.
Are you ready to try the better way to do home loans? You can start the application process for your Tic:Toc home loan here.
Once you apply for a Tic:Toc home loan, you’ll receive your log in credentials, which will allow you to log in and manage your account online. This will also allow you to check on the status of your loan application, if it hasn’t been approved on the spot.
You log in credentials will include your account details, a customer number and a temporary password, which you’ll need to change for security reasons (the usual annoying password rules apply, like including a number, a letter and minimum of eight digits).
If you misplace or forget your Customer Number or password, just give us a call on 08 7109 9010.
There are many reasons why we might have to decline your home loan application. We wish we could tell you specifically why sometimes, but we're not allowed to disclose the exact reason for declining an application.
When we assess your application we check for things like address eligibility, your credit history, your status as a citizen or permanent resident, and of course your financials.
Some common factors for application declines are insufficient deposit or income; too many expenses; low credit score; incorrect information on an application form...all these are taken into careful consideration to make sure you can fulfil responsibilities without undue financial strain.
Other less common reasons can be you’ve started a new job, had a change in circumstances, or your property is not suitable. For example, at Tic:Toc we can only lend to established properties in a capital city or major regional centre.
We know that not everyone will be suitable for a Tic:Toc home loan. If you’re not a match right now, don’t hesitate to check again later in the future or let our team help you find a home loan through our no-fee in-house broker service Tic:Toc + Choice.
Yes, you’ll need to both be listed on the current property title.
If you are both noted as owners on the title, you must both be applicants to the new loan. We can’t consider loans involving guarantors.
Here's what you need to know based on your employment type.
Full-time and permanent part-time PAYG roles
you've held your job for 6 months, or
had 12 months of continuous service in the same industry
Dependent contractor PAYG roles
you've held your job for 6 months, or
had 2 years of continuous service in the same industry
Casual PAYG roles
you've held your job for 12 months, or
6 months if you’ve had 2 years of continuous service in the same industry
Self-employed roles
you've traded for 2 years, and
meet our other self-employment criteria
If you think that you fall out of any of these categories have a chat with our home loan specialists.
When you apply for a Tic:Toc home loan, the online form we provide isn’t just a 'contact us' or lead capture form, it’s a real loan application form with a real home loan at the end if you’re successful.
That means you’ll need to have your actual documentation at the ready, which includes;
And that’s it! Applying for a Tic:Toc home loan is as easy as it gets! Once you submit your documents and your application, we’ll either approve your loan on the spot or let you know if we need further info.
And remember, if you have questions or are unsure about anything in our application process, don’t hesitate to check your eligibility here or talk to our online chat consultant, who’s standing by to help.