Tic:Toc Home Loans

Tic:Toc is an Australian fintech that offers a fast online home loan experience and competitive rates.

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On this page you can find information about Tic:Toc home loans. Skip ahead to the full table of products or read more about the lender.

Compare Tic:Toc home loans

Compare Tic:Toc home loan products below and hit "load more" to see a fuller selection of loans. "Go to site " will direct you to Tic:Toc’s website for the product you selected. You can also find more information on each individual product by clicking "more info".

Rates last updated October 16th, 2019
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
$0 p.a.
Get a very low interest rate and pay no application, settlement or valuation fees. Apply online for full approval in real time and add a 100% offset account for $10 a month.
$0 p.a.
Get instant online approval and flexible repayment options with this fixed rate mortgage for investing.
$0 p.a.
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee.

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Tic:Toc lender profile

  • Tic:Toc is an innovative online-only lender backed by Bendigo and Adelaide Bank.
  • The company's unique offer is a high-speed, automated application process using digital software that speeds uDeposit sizep the application process.
  • Tic:Toc does not have any physical branches in Australia but its representatives can be contacted online or via phone.

Tic:Toc mortgage features

Tic:Toc has fixed and variable home loans for investors and owner occupiers, with interest only options in addition to the standard principal and interest rates.

Deposit sizeYou can borrow up to 90% with a Tic:Toc mortgage.
Interest onlyThe Tic:Toc Fixed Home Loan has interest only rates for investors and owner occupiers.
RedrawTic:Toc mortgages have redraw facilities.
Offset accountNo Tic:Toc mortgage offers an offset account as a standard feature, but you can add one to all mortgages for a $10 monthly fee.
Digital innovationTic:Toc is a completely online service (with online and phone support). They launched in 2017 with an online platform that processes your application online.

How do I apply for a Tic:Toc mortgage?

Clicking "Go to Site" on Tic:Toc's comparison table will start your application process and redirect you through to Tic:Toc’s website.


Each Tic:Toc product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Tic:Toc you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

Logo for Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)

Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.

Logo for Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)

Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.

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