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.

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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
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Ready to start saving?

Make the move to a Tic:Toc home loan.