Award-winning home loans, delivered simply

Whether you're a first-time buyer or refinancing an investment property, we've got the loan for you.

Let's find your home loan

Where to next?

Explore what we have to offer, so you can make smarter decisions.

Some of the reasons you'll love us

We'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.

  • Save time

    We assess you as you complete your application, which means your home loan approval comes faster.

  • Save cash

    Reap the rewards of a truly digital home loan: award winning home loan rates, with no fees.

  • Local experts

    If you get stuck or have a question, you can speak to a friendly human who knows what they're talking about.

  • Get full approval

    Get full or conditional approval (subject to property). We do both. Get full approval for maximum confidence at auction.

  • Ditch paperwork

    By linking your accounts, we can verify your income and expenses without paper. Responsible, and fast.

  • Secure process

    Get tech-nerd grade security, encryption and hosting. Plus, confidence in our Australian Credit Licence and backing by Australia's fifth largest bank.

How are our rates so low?

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.

Self-employed? You have home loan options

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:

  • good credit history
  • ability to demonstrate income via tax returns or financial statements
  • a property in a capital city or major regional centre
Chefs at a market stall

Ready to start saving?

Make the move to a Tic:Toc home loan.

Legal things about our rates, no tricks

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.