Home loan features you'll love

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.

Apply online in minutes

Complete an easy online application and get your decision in minutes or ASAP if we hit a manual snag. Our record for approving a home loan - with a contract – is less than 58 minutes from the time you click apply.

Expert advice in seconds

We're not a call centre and pride ourselves on giving straight-up info, fast. We hate salesy speak, so won't be pressuring you for anything. We're just here if and when you you need help.

  • Our home loan experts are Australia-based
  • 90% of our calls are answered within 20 seconds

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, to keep your information secure at every stage. It’s so secure other lenders including two of Australia’s biggest five banks, use it too.

See what our customers are saying

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Legal things about our rates, no tricks

About our Awards

Awards don’t motivate us as much as helping customers. But as the OG digital home loan, being awarded Canstar’s ‘Digital Lender of the Year’ makes us pretty proud. We’re excited to say that over the last five years, we’ve won 42 Canstar awards and you can find out all about them here.

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 31 May 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.