FAQs / Managing your home loan

Can I make changes to my loan?

All FAQs

Of course you can.

Changing loan type

Switching from a variable loan is easy - that's the beauty of a variable rate. To switch from a Tic:Toc variable rate to a Tic:Toc fixed rate, you'll need to cover a variation fee of $200.

Switching from a fixed rate during the fixed term is a little trickier. There will be break costs associated that are specific to your loan, and they can be expensive. If you want to find out how much, let's talk.

To switch loan type, give us a call on 08 7109 9010 or email myloan@tictochomeloans.com and we’ll help.

Adding or removing an offset account

If you decide after you get your home loan that you'd like an offset account, you can add one to your existing home loan for a fee of $150. If you are on a fixed rate an additional break cost will also apply. Removing an offset account from your existing home loan will incur the same fees.

To add or remove an offset account, give us a call on 08 7109 9010 or email myloan@tictochomeloans.com and we’ll help.

Click here to learn more about offset accounts, and how they differ from redraw facilities.

Buying a new home

Want to buy a new home with Tic:Toc? Good move. You can use our online application or since you're already a customer, give us a call on 08 7109 9010 and we can talk you through it.

Topping up your home loan to release cash

Give us a call on 08 7109 9010 or email myloan@tictochomeloans.com and we can see if you can increase your home loan amount, to release cash.

For more information about how this works, read up on how to refinance your way to the perfect renovation.

Leaving us?

All good things must come to an end, but we'd love to know why you're leaving. Please call us on 1300 842 405 so we can see if there's anything we can do to help, or to simply assist you with the process to end your loan. Or, you can access our form here and return it to Adelaide Bank at the email supplied.