<p>Our rates are the latest and include the November RBA rate increase.</p>

Up to date rates

FAQs

Guide

Let's talk

Liam Gallagher

Would recommend

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.

Can I say a HUGE thank you to Emmalene Bates

Verónica 

My experience was very pleasant. Tim Jiang was a pleasure to deal with. He was prompt and helpful and answered all my questions in a professional manner.

Seamless and professional

Anna

Simple process, helpful and knowledgeable staff

So easy!

Kristal M

The process was easy and everyone was very helpful

The process was easy and everyone was…

Damien

I would highly recommend Tic:Toc. Communication was outstanding throughout the whole process which was also very easy. Multiple emails and phone calls were returned straight away. Very friendly staff. Very happy.

I would highly recommend Tic:Toc

Anonymous 

We decided to refinance with TicToc. They were clear with any terms, conditions and queries we had before applying. The online application process was easy and straightforward, as long as you have all your info and documents ready. Our application had to be reviewed but it took only 6 days to approve, from start to finish. Communication from all associated with TicToc has been excellent! Already far better service than the 8 years we were with NAB!

Nothing to fault!

The whole process was very easy. Vik, who took care of our application was amazing to deal with. I felt that he went out of his way to answer my questions and worked with us to get our loan approval. I'm very happy we chose to buy our home with tic:toc

Easy application. Great service

Ash Galvin

Whole process was very smooth and easy

Jojo Vilar

Honestly, I started with an Unloan application, but in summary, that went nowhere - got texts, emails, and an assessor's call.  Then nothing - I followed up via emails, text, phone call - nothing, as if the company just disappeared completely.  I was even thinking it was a scam to get my financial details.

Then Tic:Toc came, and what a breathe of fresh air!  I get updates and responses quickly - be it email, phone call, or chat!   Always responsive, always quick - my Assessor (Emmalene), the chat support team, and even the Settlement Agent rep.

All in all, took a week I believe from submission to getting notice of being ready for settlement, through constant communications.

So am very happy with the experience so far and endorsing Tic:toc (the mortgage provider, not the other one)

Waiting on settlement.

Go Tic:Toc!

<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 2 Year Owner Occupied Interest Only

Term Loan Fixed 3 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 Fixed 1 Year Owner Occupied Interest Only

Term Loan Variable Investment Principal & Interest

Term Loan Fixed 4 Year Investment Principal & Interest

Term Loan Fixed 5 Year Investment Principal & Interest

Term Loan Fixed 1 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 4 Year Investment Interest Only

Term Loan Fixed 5 Year Investment Interest Only

Term Loan Fixed 1 Year Investment Interest Only

Term Loan Fixed 2 Year Investment Interest Only

Term Loan Fixed 3 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>

<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?

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?