10 home loan phrases you need to know

How a rate rise could affect you

Make the most of your offset account

Monthly, fortnightly and weekly payments – which is better?

How banks and lenders set their interest rates

How the First Home Owner Grant works

Interest only vs principal and interest home loans: which is better?

We are reviewing our interest rates in line with the RBA’s cash rate increase on 6 September. Impacted customers will be contacted directly.

RBA announcement

Adelaide Bank has implemented a Flood Assistance Package for flood and storm affected customers in Queensland and New South Wales. <a href="/lp/flood-assistance-package">More details here</a>.

Flood Assistance Package

FAQs

Guide

Let's talk

Akash Shivhare

Excellent service, expert staff! Highly recommend!

Excellent service

Andrew Saul

Applied for a home loan and was very impressed with how simple it was. I was called the next business day to discuss my application, clarify a few points and provide additional info, then was approved the day after. Very easy, quick and impressive. Now just awaiting settlement. Would recommend!

Home Loan application

They are 10 steps ahead of other home loan providers and they beat everyone to the punch with their expert staff with excellent customer skills. No strings attached, they do what they write. My loan was conditionally approved in 24 hrs and then finally approved in next 24 hrs when I provided the property contract. Special shout out to Raf Jose, he went above and beyond to ensure my approval is done in time and is always prompt in responses.

Some people are saying they are totally online with no human reviewer but I can assure you this is 100% wrong assumption. My case was little complicated so it couldn't be approved online, the next day assessor called me up and clarified everything in details.

Exceptional experience, just waiting for the settlement now. Thanks a lot Tic Toc team, especially Raf Jose and the home loan experts who I chatted to.

Excellent staff with best customer service

Edward Wong

Excellent experience so far with tic toc,
Nice and smooth, best customer service by far comparing to other banks,
Please keep it up

Excellent, highly recommended

Great rates and even better customer service via email. Would 100% recommend.

Great rates and even better customer…

Easy to deal with and has been a streamlined process doing a subject to sale refinance. This is the second time i have had finance through tictoc and would use them again and recommend them to friends and family

Great company. Loved dealing with them

Bruno Faria

Good, easy process overall and quick turnaround. Can do a better job on the home loan calculator. The initial one on the website is fine, but we need to know all the details for the home loan and how the deposit will impact the overall picture and what other fees/costs are included. This helps to discuss terms with the credit assessor.

Good

Bruna

Great experience with them so far! Very easy to deal with, best interest rates in the market.

Great experience

Darryl  Willson

I have been with Tic:Toc for almost 3 years now. The application process was easy and quick when I refinanced with them. They have always been quick to adjust my interest rate when that offered to new borrowers was lower. It has been just a matter of asking. No muss. No fuss. Highly recommended.

Highly Recommended!

ArunM

Fast and simple process with an excellent customer support team. I got my loan approved in 3 to 4 days.

Home loans explained