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My experience refinancing with Tic:Toc matches most of the other reviewers here. They were incredibly fast, efficient, and friendly. Some extra information was required from me after my initial application, but I was able to provide it quickly and went from application to approval in a matter of a few days with no fuss.

The customer service at Tic:toc is far and away better than that at any other bank I've dealt with. They really do set the standard for how it should be done.

The best customer service there is

Chris Taylor

Extremely quick and easy application process. The team at tic:toc were very responsive and happy to assist us with any questions we might have had.

Extremely quick and easy application…

Miss Anthea Tang

Tictoc is a great option if you have a pretty 'standard, by the books' situation and home loan - which is what they excel at, granting these applications quickly (or even instantly), at competitively low rates.

Unfortunately that wasn't really the case with me - in all honesty, the onus was probably on me to research that more beforehand - but I also don't think they made it very clear what the additional restrictions/requirements would be if you are looking to move into 'high density' (5 floors+) complexes. This is probably where Tic:toc differs and is the most strict compared to other lenders.

That is NOT to say, by the way, that my experience was not great. All my numerous questions regarding any step of the process were answered within a business day by the Tic:toc advisors who were always polite and knowledgeable, and I reached the outcome in the end with plenty of time until settlement, and yes with that competitive interest rate.

However, I do wish that the person that initially referred ME to Tic:toc (having not bought into a high density complex) did give me a better heads up about the somewhat more onerous requirements my loan would have versus theirs. So that is what I hope to do with my review.

Tictoc is a great option if you have a…

Roland Lambeth

Haven't reached settlement yet but everything has been great so far. Quick to respond to my questions, smooth application process and highly competitive home loan rate.

Great experience so far

Alice Magill

We had possibly the best Lending Specialist/Credit Assessor in Australia. Trix was informative, professional and personable throughout the process and we are beyond grateful that she was our point of contact throughout our journey. What could normally be a confusing and stressful process, was enjoyable and calm thanks to Trix. Would definitely recommend Tic:Toc to others because they have amazing people in their teams.

Best lending experience possible

Olivia

My partner and I applied for a loan and were helped through the process by Jordan. We applied online, filled in all the details and were contacted the next day. Jordan was patient with us and really helped us with the process as it was the first time for both of us and we’d made some mistakes. From applying to approval was super fast. We decided to change the structure of our loan a few times and every time the new approval came incredibly quickly. The time it took Jordan to have our loan done for us was faster than it would have taken us to get off hold with ANZ. We had our approved loan before we even got a call back from St George even though we applied for both on the same day. The whole experience felt super supportive and Jordan made it so easy!

Best rates, best service.

Patrick Godde

Fantastic it will be 36 days from application to hand over almost seamless thanks so much

Fantastic it will be 36 days from…

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

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