Our live-in (owner occupied) home loans

Looking to buy your first (or next) home to live in? Get informed so that you can make the right decision.

What is an owner occupied home loan?

Tic:Toc's live-in loans are what banks and other lenders call “owner occupied” loans - but we like to think you live in your home, not just “occupy” it. So we refer to our loans as live-in home loans instead.

What does owner occupied mean? An owner occupied home loan (or live-in home loan as we prefer to think of them), is a home loan you can get to purchase a property you want to live in. This is different to an investment home loan which is a loan you get for a property you are using as an investment, and aren’t living in. With that being said, you can easily change your investment loan into a live-in loan if your circumstances change (more on that below).


There are a few things to consider
before buying a home

Want to know more about
owner occupied home loans?

Check out our frequently asked questions for our live-in (owner occupied) home loans


Not sure how much you can borrow?

We have a calculator for that.

Check out our live-in home loans


Join the other smart customers

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Get home loan smart

  • Sprinkles on a spoon

    Home loans explained

    The different types of home loans

    Caitlyn Smith

  • Home loans explained

    Understanding home loan fees

    Caitlyn Smith

  • Front of house

    Buying a home

    What it costs upfront to buy a home

    Laura Osti

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.

Tic:Toc Cashback Terms and Conditions

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.