FAQs / Considering a home loan

What are the fees associated with a Tic:Toc home loan?

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There are typically a range of costs involved when you take out a home loan. These can include application fees, valuation fees, establishment fees and discharge fees.

But not if you’re applying for a Tic:Toc home loan.

Because we’re a purely online service with none of the overheads of the brick and mortar lenders, we’re able to eliminate most fees altogether.

Check out the savings you can make:

Fee typeIndustry standardTic:Toc
Application feeUp to $850$0
Monthly feeUp to $50$0
Annual feeUp to $500$0
Redraw feeUp to $25 per redraw$0
Valuation feeUp to $800$0
Settlement feeUp to $200$0

Solicitor/Conveyancer costs

Up to $200

Approx. $60 - $200

Our digital conveyancer will charge a PEXA fee around $60 for online settlement, or $80 to $200 for paper settlement (if required), which we pass on. If you're buying a home, you may also need to cover the cost of your own conveyancer or solicitor.

Exit / discharge feeUp to $1000$325

Government refinance costs

These vary by state, but include title registration, discharge of mortgage, and title search fees.

Around $260 - $440

Government buying costs

These vary by state, but include stamp duty, title and mortgage registration, and title search fees.

Dependent on your property value and which state you're in, but can be thousands.

Click here to see a full list of our rates and fees, or to get a breakdown of fees and government costs by States and Territories, check out our home loan guide here.

Curious about the cost to refinance? We've got that covered too.