Found a better rate? We'll match the rate on identical variable P&I home loans
Saving Australians thousands since 2017
Applying online is easy with our secure process plus we're bank-backed and funded.
Variable
P&I
Live-in
2.59% p.a.
Interest rate
2.60% p.a.
Comparison rate
We dare you to find a better rate
Tic:Toc's Rate Match Guarantee
Available for live-in and investment home loans
No Tic:Toc application, annual or ongoing fees. Optional offset account available for $10/mth.
Available at time of application (sorry, no take backs)
Award-winning online home loans, to suit you
Some of Australia's best interest rates live here
Variable
P&I
Live-in
2.59% p.a.
Interest rate
2.60% p.a.
Comparison rate
- Up to 30 yearsloan term
- 10% depositminimum
- No feesupfront or ongoing
- Unlimitedadditional repayments
- Free online redrawon any additional repayments
- Offset accountoptional for $10/month
Please note if you add an offset account, your comparison rate will change.
Fixed 1 year
P&I
Live-in
3.47% p.a.
Interest rate
2.72% p.a.
Comparison rate
- Up to 30 yearsloan term
- 10% depositminimum
- No feesupfront or ongoing
- $20,000additional repayment limit per year
- Free online redrawon any additional repayments
- Offset accountoptional for $10/month
- 2.64%roll-to-rate after 1 year
Please note if you add an offset account, your comparison rate will change.
Lower rates, no fees
Our technology streamlines the process, which means streamlined costs. Get the best rates, with no fees.
Our home loansSimpler process
Complete your online (and jargon-free) application in your own time, with local customer support available 7 days.
More about usFull approval, faster
Thanks to our auto-assessment technology, we assess you as you apply to slash wait times.
Check your eligibility
Bank-backed and funded
Tic:Toc home loans are funded by the good folk at Bendigo and Adelaide Bank, who are protected under the Financial Claims Scheme.
Full or conditional approval in 3 easy steps
Apply for approval online and receive a digital answer (with human help when you need it). Anywhere. Any time.
1
2
3
Get ready
Get the essential ducks in row – like having a form of ID handy, knowing the exact address (for full approval) or suburb (for conditional approval), as well as your income and expenses.
Apply online
Hit apply and away you go. We’ll value your property, verify your personal details, run a credit check and validate your income and expenses in real-time as you complete the application. If there is something we can’t do digitally, your application is sent to our human team to review.
Sign, smirk and save
Get a decision in minutes, or ASAP if we hit a manual snag. If fully approved, your loan docs will be auto-generated and emailed to you, in most cases, within minutes. Print, sign, return and you’re ready to party.
Real humans in our Aus-based HQ
There’s a whole bunch of clever people at Tic:Toc HQ in Adelaide, working to make home loans faster, smarter and simpler. If you need help with your application, our home loan experts are ready to chat
Ryan Darling
Credit Assessor
As seen in
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 23 June 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.
Rate Match 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.