Get a smarter online home loan and save

Tic:Toc's low rates, no upfront or ongoing fees, and online application saves you time and money.

Variable

  • P&I

  • Live-in

  • 1.89% p.a.

    Interest rate

  • 1.90% p.a.

    Comparison rate

Excellent

4.7 out of 5

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.


  • Finder Award Investor Home Loan

Award-winning online home loans, to suit you

  • Variable

    • P&I

    • Live-in

    • 1.89% p.a.

      Interest rate

    • 1.90% 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

    • 1.84% p.a.

      Interest rate

    • 1.90% 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
    • 1.89%roll-to-rate after 1 year

    Please note if you add an offset account, your comparison rate will change.

As seen in

Full or conditional approval in 3 easy steps

Apply for approval online and receive a digital answer (with human help when you need it). Any where. Any time.

  1. 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.

  2. 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.

  3. 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

Join the other smart customers

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    Absolutely amazing service

    Absolutely amazing service. We originally applied for a loan through one of the big four banks but with two days remaining before our finance clause was due to expire we had not heard from them. Within hours of applying with Tic Toc we were contacted by Aaron our claims assessor. I cannot express how refreshing it was to work directly with a person, rather than being treated like a number. Aaron was fantastic, arranging a valuation early knowing any delay could result in missing our deadline. He was transparent and helpful, providing full approval less than 48 hours after applying. I’m really struggling to think of an occasion where we have received better service. Cannot recommend highly enough.

    Kirk Blenkiron

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    Took a few weeks after applying for…

    Took a few weeks after applying for them to get back to us. But a quick process and easy once started. I think they were under the pump with a number of applicants.

    Natalia Collison

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    Fast and reliable

    Fast, straight forward and transparent process. Quick reply from credit assessor Veronica. She is professional and nice person. Veronica provided us with many advices and guided us through the all process smoothly.

    Vasyl and Natalia

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    Fast, Efficient & Pain Free

    This is our second home loan with Tic Toc and we are just as happy this time around as we were the first time. The whole team is friendly and amazing to work with, communication was great and the process from start to finish was extremely quick!

    D. Thomas

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    Approval with ease

    Raf was amazing. Quick and friendly service!

    Melanie Ramsey

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    Fantastic service for our first home loan

    Fantastic service! We were first home buyers so very stressed about the whole thing. Tictoc made the process of applying for our home loan so quick and easy. Every time I called them (which was a lot!) they were polite, friendly, and helpful. Best part was we got approved within 2 days of applying, and of course the low interest rate! Many many thanks to Tictoc.

    Jess Hahn.

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    Wonderful experience and service…

    Wonderful experience and service standards are significantly above the Big 4 banks. Trix managed my application and was the only person I had to deal with. Very knowledgeable, friendly and thorough. Trix also kept me updated through the application and made it so smooth and easy. I even ended up switching my investment loans and recommended them to some of my friends. Highly recommended!

    Shobhit Khurana

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    Cannot rate Tic:Toc highly enough

    Cannot rate Tic:Toc highly enough! Outstanding customer service, super fast approval, amazingly competitive rates, flexible loan options, all online, dedicated person I could call with all my silly first home buyer questions. Seriously everything we were looking for in a home loan and without the slow clunkiness of a big 4 bank. Definitely recommend!

    Jessica H

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    Competitive rates, smooth and quick process

    Very competitive rates, smooth and quick process. TicToc was my 2nd choice lender as the primary one did not complete the assessment for 5 weeks. I was under huge pressure since the contract was already signed - TicToc Credit Assessor - Vik - stepped up and wrapped all up within 6 business days. Very happy with the service, definitely worth recommending.

    Rob

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    Great company to deal with

    Easy to get in touch with, easy to deal with. It's been a very easy and positive experience throughout the process. Rates are phenomenal.

    Paul Bond

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Excellent

4.7 out of 5 based on 443 reviews

Ready to start saving?

Get your home loan approved today, with Tic:Toc.

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 8 July 2021; 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. If the interest only period is not specified, the comparison rate is calculated on a one year period.

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.