Refinancing 101: tips and tricks

When to refinance

What you can do with your refinance savings

The different types of refinance loans

Refinancing to consolidate debt

What it costs to refinance your home loan

Using home equity to renovate

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

Following the RBA announcement on Aug 2 to increase the official cash rate, we will be increasing rates for new and existing customers effective Aug 19. We'll contact impacted customers with details ASAP.

Rate update

FAQs

Guide

Let's talk

Samalinda Schroder

A streamlined, fully online process that was simple to follow with awesome and prompt human support to iron out the hiccups along the way. We felt supported and confident throughout the process. A big difference from our previous lender.

So easy, so supportive.

Ange

Tic:tok were professional and efficient from the very start. My loan was approved quickly and I felt supported through every step. I would recommend them.

Tic:tok were professional and efficient…

Ankur Sharma

The process was very smooth for pre and final approvals. Emmalene Bates was our credit assessor-she made it very easy for us to navigate complex questions and gave us a quick turn around time. We were also supported well through out until the final contract was signed. The customer care is very good and the wait tines are minimal , so easy to access. We were given all the information up front and the processing times were very quick. Highly recommend them.

Home Loan Process Made easy

Manoj Sijwali

Its been an absolutely smooth experience refinancing our property over to Tic:Toc. We applied online via Tic:Toc website and got a response from our credit assessor Triscina (@Trix) within 24hrs. Trix has been very helpful, super easy to contact, proactive and overall great to deal with in this whole process. We were provided with much needed advice and support during the refinance process and our application was approved within next 48 hrs. The whole experience with Trix and Tic:Toc was so good that we ended up refinancing two more of our properties over to Tic:Toc, again with Trix helping us throughout the process. Tic:Toc platform was easy to use as well and we got prompt notifications via SMS and email at every step of the process. Best rates plus amazing service = happy customer :)

Best rates and exceptional service from Tic:Toc Home Loans

Evan

Easy and quick

patrick ubonsuwan

Sara has been super friendly and helpful throughout our application process. It's so refreshing to speak to real person and without waiting hours on the phone. Not to mention great rates too.

Home loan at it's finest…

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.

a HUGE thank you to Emmalene Bates

Tic:TOC was great to deal with, their online application was easy to understand and when they needed more information near the end of the process I received a call and follow up email within 24 hours. Their legal team was quick to respond to emailed documents, their ID verification process was easy to use. 

Of all the loan applications I’ve done over many years Tic:TOC was by far the most efficient and least painful one. No one wants to go through refinancing loan applications, but I would recommend Tic:Toc without a second thought!

Tic:TOC was great to deal with

Customer

Great experience

graeme horne

Effective and smooth means of securing a loan for an apartment. Virtually completed with only one F2F transaction (ID checking) the process was effectively designed and executed. Recommended for the short of time and those used to online service provision. Very helpful staff available that steered my journey