<p>Our new low rates are the latest and include the March RBA rate increase.</p>

Up to date rates

FAQs

Guide

Let's talk

James Hoang

Good communication and has a chat available on weekends/after hours

Good communication and has a chat…

Sabrina

It is quick and easy, and The Team is very helpful when I called few times and many times contacted t hem through live chat.

And also I was going to cancel my application though it was already approved because I was on and off sick and plus I have to pay a bit of money when getting out from my current lender and they offered me a little bit of money though it was not much but I find it very thoughtful and kind of them to offer me that amount because I know it was not in their offer in refinancing home loans.

Another thing too is that there were some instructions that I did not understand with the signing of the documents, and they were very patient with me, and they are very understanding.

One that attracted me to them is their Offset account even in a fixed home loan and that is very handy.
Thank you very much, Tic Toc and the Team

It is quick and easy

Tracy Mckenzie

They were really helpful over the phone. Great to work with

Great communication

Jesse Bulman

The application process was very easy to fill out, best of the best techwise to make the process fast and easy. What wasn't so fast was the follow-up if the computer couldn't approve you straight away - we were assigned a lovely credit assessor who requested additional information from us but would often take 2 days to respond to emails. 

I ended up phoning her towards the end and that wrapped things up pretty quick after that. She was lovely and very helpful but it sounded like they were short-staffed for handling the number of enquiries the business had.

Overall a pretty good experience, just perhaps could have gone a bit faster if emails were sent quicker.

Pretty good experience, just a bit slow

Daniel

Pros
- The rate is great
- The fees are low
- It was easy to apply and I was supported all the time throughout the process
- The process has been transparent with regular updates
- Customer service has been quick and helpful
- The online app is user-friendly
Cons
- They got the email address of  the co-borrower wrong as a result they received the contract late
- They mistyped my name as a result my access to online banking was delayed

A good refinance experience

David

Good communications, about as clear as possible. Good rates too!
Being able to contact through email or live chat is a real plus.
Having one person assigned to the case would've been good for continuity but everyone was very friendly.

Good communications, good rates

Royce Cocciardi

Easy application process

Rob P

Once again it was a pleasure dealing with Trix who had also helped us with our previous TicToc loan, remembered who we were when she saw our name again this time, sought us out of the approvals pile and called us direct. 

Trix helped us work through the process and worked with us to help answer a couple of the trickier questions. 

We were thrilled to deal with her again and once more get a good deal on our home loan. Thanks!

Once again it was a pleasure dealing…

Michele Avino

Great communication and easy to deal with. Transparent and competitive rates. I’ll update in a few months :-)

Great service

Wendy 

easy to use website, good information & helpful, professional experienced staff

Way better than a bank

<h1><strong>Award-winning</strong> home loans, delivered simply</h1>
<p class="subheading">Whether you're a first-time buyer or refinancing an investment property, we've got the loan for you.</p>

Term Loan Variable Owner Occupied Principal & Interest

Term Loan Fixed 4 Year Owner Occupied Principal & Interest

Term Loan Fixed 5 Year Owner Occupied Principal & Interest

Term Loan Fixed 1 Year Owner Occupied Principal & Interest

Term Loan Fixed 2 Year Owner Occupied Principal & Interest

Term Loan Fixed 3 Year Owner Occupied Principal & Interest

Term Loan Variable Owner Occupied 1 Year Interest Only

Term Loan Variable Owner Occupied 2 Year Interest Only

Term Loan Variable Owner Occupied 3 Year Interest Only

Term Loan Variable Owner Occupied 4 Year Interest Only

Term Loan Variable Owner Occupied 5 Year Interest Only

Term Loan Fixed 3 Year Owner Occupied Interest Only

Term Loan Fixed 1 Year Owner Occupied Interest Only

Term Loan Fixed 2 Year Owner Occupied Interest Only

Term Loan Fixed 4 Year Owner Occupied Interest Only

Term Loan Fixed 5 Year Owner Occupied Interest Only

Term Loan Variable Investment Principal & Interest

Term Loan Fixed 1 Year Investment Principal & Interest

Term Loan Fixed 4 Year Investment Principal & Interest

Term Loan Fixed 5 Year Investment Principal & Interest

Term Loan Fixed 2 Year Investment Principal & Interest

Term Loan Fixed 3 Year Investment Principal & Interest

Term Loan Variable Investment 1 Year Interest Only

Term Loan Variable Investment 2 Year Interest Only

Term Loan Variable Investment 3 Year Interest Only

Term Loan Variable Investment 4 Year Interest Only

Term Loan Variable Investment 5 Year Interest Only

Term Loan Fixed 3 Year Investment Interest Only

Term Loan Fixed 1 Year Investment Interest Only

Term Loan Fixed 2 Year Investment Interest Only

Term Loan Fixed 4 Year Investment Interest Only

Term Loan Fixed 5 Year Investment Interest Only

<h3>Our rates and fees</h3>
<p>Our fees. What fees? Get the low down on fees and sell all our rates side by side.</p>

<h3>Home loan features</h3>
<p>At Tic:Toc, we've made borrowing fast &amp; simple. See why people love our home loans.</p>

<h3>Am I eligible?</h3>
<p>Sounds like we're up your alley? Answer a few questions to see if Tic:Toc is a good fit for you.</p>

<h3>Tic:Toc + Choice</h3>
<p>Don't qualify for Tic:Toc? Let our in-house broker offering match you to 100s of loans via our lender panel.</p>

<h2>Where to next?</h2>
<p>Explore what we have to offer, so you can make smarter decisions.</p>

<h2>Some of the reasons you'll love us</h2>
<p>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.</p>

<h3>Save time<br /></h3>
<p>We assess you as you complete your application, which means your home loan approval comes faster.</p>

<h3>Save cash</h3>
<p>Reap the rewards of a truly digital home loan: award winning home loan rates, with no fees.</p>

<h3>Local experts</h3>
<p>If you get stuck or have a question, you can speak to a friendly human who knows what they're talking about.</p>

<h3>Get full approval</h3>
<p>Get full or conditional approval (subject to property). We do both. Get full approval for maximum confidence at auction.</p>

<h3>Ditch paperwork</h3>
<p>By linking your accounts, we can verify your income and expenses without paper. Responsible, and fast.</p>

<h3>Secure process</h3>
<p>Get tech-nerd grade security, encryption and hosting. Plus, confidence in our Australian Credit Licence and backing by Australia's fifth largest bank.</p>

<h2>How are our rates so low?</h2>
<p>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.</p>

<h2>Self-employed? You have home loan options</h2>
<p>We celebrate all business owners who take on the challenge of working for themselves. We were a start-up once, after all.</p>
<p>If you have your ducks (and docs) in a row, Tic:Toc could be for you. More flexibility, at the best price.</p>
<p><strong>Suitable for customers with:</strong></p>
<ul><li>good credit history</li><li>ability to demonstrate income via tax returns or financial statements</li><li>a property in a capital city or major regional centre</li></ul>

<h2 style="text-align: center">Ready to start saving?</h2>
<p style="text-align: center">Make the move to a Tic:Toc home loan.</p>

Award-winning home loans, delivered simply

Let's find your home loan

Where to next?

Our rates and fees

Home loan features

Am I eligible?

Tic:Toc + Choice

Some of the reasons you'll love us

Save time

Save cash

Local experts

Get full approval

Ditch paperwork

Secure process

How are our rates so low?

Self-employed? You have home loan options

Ready to start saving?