No honeymoon rates
Unlike some online lenders, we don't hook you with a low rate to just increase it later. We work with our funder Bendigo and Adelaide Bank to set our rates.
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Whether you're a first-time buyer or refinancing an investment property, we've got the loan for you.
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See all our rates, side by side
Our fees. What fees?
We use tech to automate the traditional home loan process, so we can pass on the savings to you.
| Industry standard | Tic:Toc | |
|---|---|---|
| Application fee | Up to $600 | $0 |
| Monthly fee | Up to $15 | $0 |
| Annual fee | Up to $400 | $0 |
| Offset account fee | Up to $10 or built into the interest rate | $10 / month (optional) |
| Online redraw fee | Up to $50 per redraw | $0 |
| Valuation fee | Up to $350 | $0 |
| Settlement fee | Up to $650 | $0 |
| Solicitor/Conveyancer costs | Up to $2,200 | Approx. $60 - $200. |
| Exit / discharge fee | Up to $700 | $325 |
| Government refinance costs These vary by state, but include title registration, discharge of mortgage, and title search fees. | Around $140 - $300 (Plus stamp duty) | |
| Government buying costs These vary by state, but include stamp duty, title and mortgage registration, and title search fees. | Dependent on your property value and which state you're in, but can be thousands. | |
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.
Low 10% deposit loans
By paying Lenders' Mortgage Insurance (LMI), you can borrow up to 90% of your property's value, instead of the standard 80%. And get the same hot rates.
More on LMILocal experts ready to help
If you get stuck or have a question, you can speak to a friendly human who knows what they're talking about. Our home loan experts are available 7 days a week.
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SELF-EMPLOYED HOME LOANS
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
Financial validation requirements
A years’ worth of up-to-date tax returns or business financial statements.
Legal things about our rates, no tricks
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 05 May 2022; 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.