What type of home loan? All in an instant.

Principal & interest loans.

3.52% p.a.

Variable rate.

3.53% p.a.

Comparison rate.
No tricks >

Interest only loans.

5.10% p.a.

Variable rate.

5.11% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Live-in variable features.

The spicy little extras about our home loans.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
You'll even get a fancy EFTPOS card.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free unlimited additional repayments.

Principal & interest loans.

3.94% p.a.

1 year fixed rate.

3.71% p.a.

Comparison rate.
No tricks >

Interest only loans.

4.90% p.a.

3 year fixed rate.

5.05% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Live-in fixed loan features.

The spicy little extras you may not have known about us.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
Yep, even for fixed loans.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free additional repayments up to $20,000.

Principal & interest loans.

3.99% p.a.

Variable rate.

4.00% p.a.

Comparison rate.
No tricks >

Interest only loans.

4.59% p.a.

Variable rate.

4.60% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Investment variable features.

The spicy little extras you may not have known about us.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
You'll even get a fancy EFTPOS card.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free unlimited additional repayments.

Principal & interest loans.

4.11% p.a.

1 year fixed rate.

4.01% p.a.

Comparison rate.
No tricks >

Interest only loans.

4.39% p.a.

3 year fixed rate.

4.83% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Investment fixed loan features.

The spicy little extras you may not have known about us.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
Yep, even for fixed loans.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free additional repayments up to $20,000.

Our application process.

A full home loan in 22 minutes.

1
Your home.
Enter in the property address.
1. Your home.
We run a digital property valuation (and we absorb that cost), so you know how much you can borrow for that property.
2
Your loan.
Select your tailored home loan.
2. Your loan.
We ask some questions and, based on your goals, offer a couple of home loan options we think will suit you. Then you get to select the home loan you like best.
3
Your details.
Tell us who you are.
3. Your details.
We ask for some details to get better acquainted, which are verified in real-time to complete your ID check.
4
Your financials.
Supply your financial information.
4. Your financials.
We ask some questions about your income and expenses. Here's the magic: we digitally validate your financials, instantly. Or you can upload your docs the old way for our humans to check.
5
Decision time.
Get an instant answer.
5. Decision time.
Our robot will give you a decision in just a few minutes. Or if you uploaded documents, we'll check over your application within a business day.
6
22 minutes over.
If approved, your loan docs are on the way!
22 minutes over.
If approved, your loan docs are on the way!
How Tic:Toc works for you 24 x 7.

The time of your life.

How long should it take to get your home loan approved? Not long, of course. Your time is everything.

 

  Other lenders, typically Tic:Toc
Booking an “appointment”  with your broker or bank. Yes, you have to put on pants.   1 to 10 days Yuck. Just jump online (no pants required)
Application 3 to 7 hours 22 minutes
Printing, scanning and returning documents 2 hours to 7 days, depending on patience and availability of work printer Not necessary (who has a printer, anyway). Our robot does the work.
Assessment 3 to 22 days Instant (a couple of minutes)
Delivery of your settlement documents 2 to 14 days 30 minutes to 2 days (depending on which State you live in)

 

Legal things you need to know about our rates.

No tricks included.

 

They’re current as of 20 February 2018; available to all home loans settled on or after this date, and they can change.

We relentlessly review our rates to make sure we stay competitive and offer more Australians a better deal on their home loan.

We work out our variable comparison rate based on a $150,000 loan over 25 years. And for the fixed loan comparison rates, we base them on the loan switching to our variable rate at the end of the fixed term. These rates also factor in all the fees associated with applying for the loan (none) and all the fees associated with having the loan (none) and all the fees associated with leaving the loan (a $325 discharge fee).

For a different loan or term, such as our home loan with an offset account, the rate would be different because we charge $10 a month to have an offset account. Or to say that in the way we’re legally obligated to (the aggressive way): WARNING: This comparison rate is 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.

I'm ready, Eddie.

START MY APPLICATION