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

How banks and lenders set their interest rates

Fixed vs. variable loans

The different types of debt

FAQs

Guide

Let's talk

Tobias Staheli

As a self-employed individual, I was required to be assessed and talked to by a TicToc specialist via the phone. Their service and clarity on the procedures necessary for a loan refinance first-timer like me, proofed to be very efficient and surprisingly quick.

Clear and prompt service

Super efficient, helpful and friendly with market-leading rates. Absolutely nothing to complain about at all!

Super efficient!

Craig Potter

Happy with service to date. No complaints.

Happy with service to date

Laura Berendsen

We have really enjoyed our experience with Tic Toc. They are a delight to work with and always keep us in the loop, and make the whole home buying process a little less stressful!

We have really enjoyed our experience…

Selina

Due to having a complicated situation I had been declined by Commbank whom I currently have a loan with and had 2 previous loans with. Several others declined for pathetic reasons. I had a 22% deposit and stable income. We read good reviews of TicToc so I thought I'd give them a shot and am glad I did. 

Trix was amazing and understood everything with minimal explanation. She had some requests which I actions straight away and I was approved in 2 days. 

Exceptional Service and communication.

The online forms were a pleasure to use and so was the automated bank transaction downloads. It made everything a breeze. 

The conveyancers and estate agents all had good things to say about them also. This experience is just like 10 years ago where getting a loan was straight forward and didn't require a forensic audit like the big banks require you to go through. I felt like a customer and not a privacy invaded number. Thank you very much. 

10/10 in every regard and will use again!!!!

Complicated business made easy...

Jenny T

I did my home loan process through Tic:Toc and was very pleased. My credit assessor, Sarah Nguyen, was professional, friendly and very quick to reply. It made the process easy and stress-free. I would recommend Tic:Toc to friends and family.

Easy and stress-free

Glenn

Great people to work with. We enjoyed the whole process. It was fast, efficient and friendly. We have recommended TicToc to everyone we know. Thanks!

Great people to work with

Efficient process. Knowledgeable staff in every department. Highly recommend.

Efficient process

marufa yasmin

Tic:Toc released our month long stress by fully approving online loan application within 5 days. Very happy with their service.

Great customer service, transparent, easy to deal with

Rajesh Pai

My overall experience with tic toc has been very pleasant through the home loan process. Approval was superfast (Within a day) once the purchase contract was submitted to tic toc. The loan documents were immediately emailed to me after approval too. 

The conditional approval process was slow as the application was stuck in the queue for couple of weeks, but after calls with tic toc that was given priority and we were put in touch with the Credit assessor, Kristina.
 
Kristina was a great person to deal with and they were always available to answer any questions about the process, and that helped us quite a lot in our search for a home. For first home buyers like us, it can get really overwhelming and the clarifications from Kristina went a long way in making us comfortable!

The only things I'd suggest as improvements is the Conditional approval process times, and the loan documents process which is still through paper rather than digital.

Home loans explained