Our rates and fees
Our fees. What fees? Get the low down on fees and sell all our rates side by side.
Get all the numbersWhether you're a first-time buyer or refinancing an investment property, we've got the loan for you.
Explore what we have to offer, so you can make smarter decisions.
Our fees. What fees? Get the low down on fees and sell all our rates side by side.
Get all the numbersAt Tic:Toc, we've made borrowing fast & simple. See why people love our home loans.
Our featuresSounds like we're up your alley? Answer a few questions to see if Tic:Toc is a good fit for you.
View our eligibility checklistDon't qualify for Tic:Toc? Let our in-house broker offering match you to hundreds of loans via our lender panel.
Learn more about Tic:Toc + ChoiceWe're not just the world's first truly digital home loan. We're a home loan that actually makes sense - a simple process, with no nonsense, no jargon and no asterisks.
We assess you as you complete your application, which means your home loan approval comes faster.
Reap the rewards of a truly digital home loan: award winning home loan rates, with no fees.
If you get stuck or have a question, you can speak to a friendly human who knows what they're talking about.
Get full or conditional approval (subject to property). We do both. Get full approval for maximum confidence at auction.
By linking your accounts, we can verify your income and expenses without paper. Responsible, and fast.
Get tech-nerd grade security, encryption and hosting. Plus, confidence in our Australian Credit Licence and backing by Australia's fifth largest bank.
Thanks to our own proprietary tech we're able to assess home loan applications faster than the average lender. This means we can pass those savings on to our customers and offer some of the lowest rates in the market.
We celebrate all business owners who take on the challenge of working for themselves. We were a start-up once, after all.
If you have your ducks (and docs) in a row, Tic:Toc could be for you. More flexibility, at the best price.
Suitable for customers with:
About our Awards
Awards don’t motivate us as much as helping customers. But as the OG digital home loan, being awarded Canstar’s ‘Digital Lender of the Year’ makes us pretty proud. We’re excited to say that over the last five years, we’ve won 42 Canstar awards and you can find out all about them here.
No honeymoon rates
Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. We’re transparent with our rate history, you can read about it here.
Our current rates
Our rates are current as of 14 September 2023; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. You can find all of our roll-to rates here. If the interest only period is not specified, the comparison rate is calculated on a one year period.
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.