I'm self-employed, can I apply for a Tic:Toc home loan?

Of course you can. Just jump onto our application like everyone else and start filling in your details.

To be eligible, you’ll need to:

• provide your registered ABN (of course!)
• have been self-employed for at least 2 years
• provide your most recent business tax return AND your most recent personal tax return together with the notice of assessment
• be registered for GST If your turnover is more than $75,000p.a.
• have a good credit history
• meet our standard eligibility criteria

Financial validation requirements to note – Tic:Toc requires a years' worth of up-to-date tax returns or business financial statements.

The only difference you’ll find (as a self-employed person compared to a PAYG customer), is that we won’t be able to instantly validate your income by linking your bank accounts.

Instead, you will need to upload your business financial statements and tax returns as well as your personal tax returns and notice of assessment, and our human credit assessors will take a look at them to assess your application. They’re not as fast as our tech, but they can still get you an answer much faster than your average lender because they're only checking the bits the tech couldn't.

Get prepared and learn more about potential roadblocks you may face as a self-employed applicant.