FAQs / Types of home loans & features
Tic:Toc's live-in loans are what banks and other lenders call “owner occupied” loans - but we like to think you live in your home, not just “occupy” it. So we refer to our loans as live-in home loans instead.
What does owner occupied mean? An owner occupied home loan (or live-in home loan as we prefer to think of them), is a home loan you can get to purchase a property you want to live in. This is different to an investment home loan which is a loan you get for a property you are using as an investment, and aren’t living in. With that being said, you can easily change your investment loan into a live-in loan if your circumstances change (more on that below).
- What types of home loans does Tic:Toc offer?
- I don't know what type of loan or features will be best for me. Do I need to know before I apply online?
- How do I choose a home loan?
- What type of home loan is best for a first home buyer?
- Do you have an offset account and how does it work?
- What is a home loan interest rate?
- Principal and interest or interest only?
- What is a variable rate home loan?
- What is a fixed rate home loan?
- Is fixed or variable rate better?
- What is a roll-to rate?
- Can fixed rates fix your budget?
- Can investors get interest-only home loans?
- What is an owner occupied home loan?
- What’s the difference between an owner occupied property and an investment property?
- Do you have to live in a house before renting it out?
- What does an investment loan comparison rate mean?
- Can you have 2 offset accounts?
- Can you have an offset and redraw?
- Can I offset 100% of my home loan?