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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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.