A simple, no-strings attached home loan

Save money, time and stress.

Now with Choice

Get access to hundreds of loans via our in-house broker service, Tic:Toc + Choice. If you don't qualify for a Tic:Toc home loan, don't stress. We'll get in touch to see if you want to use the same application you started or submitted and match it against our approved panel of lenders. Save time, save money.

Expert advice in seconds

We're not a call centre and pride ourselves on giving straight-up info, fast. Our home loan experts are Australia-based and 90% of our calls are answered within 20 seconds. We hate salesy speak, so won't be pressuring you for anything. We're just here if and when you need help.

Kick-ass security

We take security very seriously here at Tic:Toc. That’s why our proprietary tech has been built from the ground up, by us - it’s so good, other lenders, including two of Australia’s biggest five banks, use it too.

Apply online in minutes

Complete an easy online application and get your decision in minutes or ASAP if we hit a manual snag. It's secure, simple - it doesn't even have any of those pesky paper forms to fill out.

See what our customers are saying

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    The best customer service there is

    My experience refinancing with Tic:Toc matches most of the other reviewers here. They were incredibly fast, efficient, and friendly. Some extra information was required from me after my initial application, but I was able to provide it quickly and went from application to approval in a matter of a few days with no fuss. The customer service at Tic:toc is far and away better than that at any other bank I've dealt with. They really do set the standard for how it should be done.

    Tee

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    Extremely quick and easy application…

    Extremely quick and easy application process. The team at tic:toc were very responsive and happy to assist us with any questions we might have had.

    Chris Taylor

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    Great experience so far

    Haven't reached settlement yet but everything has been great so far. Quick to respond to my questions, smooth application process and highly competitive home loan rate.

    Roland Lambeth

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    Best lending experience possible

    We had possibly the best Lending Specialist/Credit Assessor in Australia. Trix was informative, professional and personable throughout the process and we are beyond grateful that she was our point of contact throughout our journey. What could normally be a confusing and stressful process, was enjoyable and calm thanks to Trix. Would definitely recommend Tic:Toc to others because they have amazing people in their teams.

    Alice Magill

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    Best rates, best service.

    My partner and I applied for a loan and were helped through the process by Jordan. We applied online, filled in all the details and were contacted the next day. Jordan was patient with us and really helped us with the process as it was the first time for both of us and we’d made some mistakes. From applying to approval was super fast. We decided to change the structure of our loan a few times and every time the new approval came incredibly quickly. The time it took Jordan to have our loan done for us was faster than it would have taken us to get off hold with ANZ. We had our approved loan before we even got a call back from St George even though we applied for both on the same day. The whole experience felt super supportive and Jordan made it so easy!

    Olivia

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    Fantastic it will be 36 days from…

    Fantastic it will be 36 days from application to hand over almost seamless thanks so much

    Patrick Godde

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    Would recommend

    Quick, friendly, responsive.

    Liam Gallagher

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    Can I say a HUGE thank you to Emmalene Bates

    Can I say a HUGE thank you to Emmalene Bates. Emmalene assisted me throughout my property purchase journey. She was positive to deal with, attentive to emails and proactive to finding answers. Emmalene went above and beyond and always made me feel like I was her top priority.

There were a few hiccups along the way with the contract of sale. When I asked Emmalene for assistance, she used her resources and time very well to help me resolve these stressful concerns. Nothing too big or small to take on for this member of Tic Toc, she is the reason I chose this lender over others.

Tic Tocs rates increased in line with the RBA's rate increases. I expected this. Tic Toc has a help line to access quick guidance and they have been nothing short of amazing.

Thank you Tic Toc for all of your support during this journey.

    Peter L

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    Seamless and professional

    My experience was very pleasant. Tim Jiang was a pleasure to deal with. He was prompt and helpful and answered all my questions in a professional manner.

    Verónica

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    So easy!

    Simple process, helpful and knowledgeable staff

    Anna

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Legal things about our rates, no tricks

Digital Lender of the Year

We're motivated by helping customers, not by awards. But as the OG digital home loan, this is one that makes us pretty proud. Tic:Toc was awarded 'Digital Lender of the Year' in Canstar's 2022 Home Loan Refinance Awards, when compared to more than 930 home loans across the market.

No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. We’re transparent with our rate history, you can read about it here.

Our current rates

Our rates are current as of 24 March 2023; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. You can find all of our roll-to rates here. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.