How do rising interest rates impact your borrowing capacity?

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

<p>Our rates are the latest and include the November RBA rate increase.</p>

Up to date rates

FAQs

Guide

Let's talk

Peter L

Can I say a HUGE thank you to Emmalene Bates. Emmalene assisted me throughout my property purchase journey. She was positive to deal with, attentive to emails and proactive to finding answers. Emmalene went above and beyond and always made me feel like I was her top priority.  There were a few hiccups along the way with the contract of sale. When I asked Emmalene for assistance, she used her resources and time very well to help me resolve these stressful concerns. Nothing too big or small to take on for this member of Tic Toc, she is the reason I chose this lender over others.  Tic Tocs rates increased in line with the RBA's rate increases. I expected this. Tic Toc has a help line to access quick guidance and they have been nothing short of amazing.  Thank you Tic Toc for all of your support during this journey.

Can I say a HUGE thank you to Emmalene Bates

Verónica 

My experience was very pleasant. Tim Jiang was a pleasure to deal with. He was prompt and helpful and answered all my questions in a professional manner.

Seamless and professional

Anna

Simple process, helpful and knowledgeable staff

So easy!

Kristal M

The process was easy and everyone was very helpful

The process was easy and everyone was…

Damien

I would highly recommend Tic:Toc. Communication was outstanding throughout the whole process which was also very easy. Multiple emails and phone calls were returned straight away. Very friendly staff. Very happy.

I would highly recommend Tic:Toc

Anonymous 

We decided to refinance with TicToc. They were clear with any terms, conditions and queries we had before applying. The online application process was easy and straightforward, as long as you have all your info and documents ready. Our application had to be reviewed but it took only 6 days to approve, from start to finish. Communication from all associated with TicToc has been excellent! Already far better service than the 8 years we were with NAB!

Nothing to fault!

The whole process was very easy. Vik, who took care of our application was amazing to deal with. I felt that he went out of his way to answer my questions and worked with us to get our loan approval. I'm very happy we chose to buy our home with tic:toc

Easy application. Great service

Ash Galvin

Whole process was very smooth and easy

Jojo Vilar

Honestly, I started with an Unloan application, but in summary, that went nowhere - got texts, emails, and an assessor's call.  Then nothing - I followed up via emails, text, phone call - nothing, as if the company just disappeared completely.  I was even thinking it was a scam to get my financial details.

Then Tic:Toc came, and what a breathe of fresh air!  I get updates and responses quickly - be it email, phone call, or chat!   Always responsive, always quick - my Assessor (Emmalene), the chat support team, and even the Settlement Agent rep.

All in all, took a week I believe from submission to getting notice of being ready for settlement, through constant communications.

So am very happy with the experience so far and endorsing Tic:toc (the mortgage provider, not the other one)

Waiting on settlement.

Go Tic:Toc!

Amanda and Nathan Bricknell

Great service. Spoke to a person every time I rang without being put in a wait queue. Very easy to work with.

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