How the First Home Owner Grant works

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

Which home loan is best for you?

What does home equity mean and how does it work?

Pairing fixed rates and offset accounts

Can Afterpay prevent you from getting a home loan?

Why home loans are rejected

Following the RBA announcement on June 7, Tic:Toc’s variable interest rates have increased by 0.50% for new and existing customers.

An update on interest rates

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

Sanjaykumar

I was blown away by the speed, response and simplicity of the home loan approval process, that is what is needed in this time of information technology

I was blown away by the speed

Christian 

Excellent service all round.

Max Maslen

Took me ages to find a house but when I did Tic:Toc were excellent to deal with. They were very quick, the loan was approved within a couple of days. I was always able to speak to the same person (Vik), they were very responsive to emails and the whole process was very straight forward.  Highly recommended

5 stars

Anusha Anand

We had a great experience applying for our first loan. The digital application process was simple, easy to use and we were very impressed by the processing time. Thanks tic:toc!

Digital application process is the star ⭐️

Fastest loan approval i have experienced to date.  So far so good.  Still yet to settle.

Fastest loan approval i have…

Yung En Chee

Great, clear and straight-talking website that spelled out what you needed to know and do. Filling in the online budget queries wasn't always intuitive (some additional explanatory details of what they were actually looking for in some of the categories would've helped) but all this was easily ironed out once the application was submitted and we were dealing with an actual assessor. Our assessor was friendly, helpful and very responsive—we always received the help we needed and were never in the dark which was reassuring throughout the process. Happy with the rate (love the transparency of their rate history available on website) and loan conditions. Delighted with the zero/low fee structure. Would be happy to recommend to others on the basis of our experience :-)

Great rate & conditions, also friendly, prompt & efficient!

MrAksp

Probably the best mortgage rates online and second to none customer service. Quick turn around of paperworks/checks. Reluctant at first, but so far they have been fantastic at keeping up to their commitments. Thanks to the whole TIC TOC homeloan team for making the whole process smooth and hassle free.

Impressive at all levels

Daniella Wyatt

Tic:Toc have provided an excellent service. They have been responsive, quick to act, and have answered all of our questions. I highly recommend them.

Tic:Toc experience

Pippa Hurst, Fremantle WA

I am super happy with the service I received from Tic:Toc when applying for my loan. They responded quickly to all of my emails and to any questions that I had, and I now have a no-fee mortgage at a great rate - all I'm paying for is my offset account. If you meet the eligibility requirements I would have no hesitation in recommending Tic:Toc. Also, it feels good not to be supporting the big banks that fund fossil fuels and other environmentally and socially irresponsible industries. Choose with a conscience. All up, it's a win/win!

I am super happy with the service I…

Mathew Newton

Tic:Toc and Sarah made the application process quick and easy. Prompt, friendly responses when assistance was needed and the whole process completed within a few days of starting my application.

Home loans explained