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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    Spot on service from Tic:Toc

    My journey with Tic:Toc Home Loans was fantastic. Their team was not only responsive but also incredibly helpful, providing answers to my inquiries with ease. The online system was well-organised and user-friendly, making the loan application process seamless. I wholeheartedly recommend Tic:Toc for their exceptional service and efficient digital platform. Thanks to the Tic:Toc team for an impressive experience.

    Ian Cheok

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    TicToc home loan is an easy online…

    TicToc home loan is an easy online process. Great staff to help with all manner of queries and kept me informed through the journey. Good rates too. Thanks TicToc and Bendigo Bank.

    customer

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    A great experience

    A great experience. Thank you Sara for the loan application assessment, for your continue follow ups to let us know where we were at with the application. Proactive and kind. Thank you

    Silvia Coda Zabetta

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    Great rates

    Great rates, rapid turnaround, phone support available

    Joe Ellston

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    Simple. Efficient. Super quick. Excellent customer service.

    Simple process. Very efficient. My loan application was approved in less than 24 hours. Excellent customer service too! I thought everything would be done online and might be difficult to get human helps. It turned out Tic Toc provides human helps and so easy to talk to too. Kudos to Jordan M. He's very helpful, professional and patient.

    Lita Sianipar

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    Great service

    Great service. Fast, easy, professional. Thanks 😊

    Genevieve

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    Great Experience. Sara Heath is a Super Star.

    Sara Heath was a great help during our refinance application. It was a great experience dealing with Tic: Toc Home Loan. Our refinance application went pretty smooth. It was daunting at first applying for re-finance without a mortgage-broker but Sara was patient and willing to guide us through the whole process. Would fully recommend others to switch to Tic: Toc.

    Arif H

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    Amazing service and process - I could not be happier with how great TicToc have been to use as a lender

    The application process was so simple, quick and easy to complete. The service we received from our credit assessor was great as he was polite, friendly and professional. Being able to ask questions online via chat made it convenient for us to confirm things along the way when we didn't want to have to call and all online chat staff were responsive and easy to deal with. The full approval process was so quick I couldn't be happier. We received full approval within 24 hours of submitting our contract and this makes purchasing a property so much less stressfull when the finance part can be made so easy.

    John George

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    Easy, efficient and timely loan application process

    It is easy to contact someone in tic toc if you wanted to ask any questions regrading the product or process. There knowledgeable staff answered all my queries satisfactorily. Once i applied for loan, i was prompt in seeking updates for my application and they were prompt in giving me updates on my application and had a successful outcome of getting loan approval amazingly quickly. You can see that they have made efforts to make things easy for the customer all the way.

    Abhi Bhutani

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    It was easy and tic:tic we're very…

    It was easy and tic:tic we're very responsive

    Rob Williamson

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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.