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Tic:Toc

Tic:Toc home loans

Tic:Toc has home loans for owner-occupiers and investors, with rates starting from 2.59%.

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Tic:Toc is an online Australian fintech lender. Tic:Toc has home loans for investors and owner-occupiers, and offers a fast online application process. Check out the full table of Tic:Toc products below or read more about the lender and its loans.

Compare Tic:Toc home loans for July 2022

Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More Info".

1 - 5 of 15
$
years
Name Product Comparison Rate Fees Monthly Payment

Tic:Toc Live in Loan Variable Rate
Principal & interestOwner-occupier10% min. deposit
Principal & interestOwner-occupier10% min. deposit
Interest Rate
2.59%
2.60%
  • Application: $0
  • Ongoing: $0 p.a.
$601
A competitive variable rate product with no application or valuation fees offered by a 100% online lender.

Tic:Toc Live in Loan Variable Rate
Principal & interestOwner-occupier10% min. deposit with offset
Principal & interestOwner-occupier10% min. deposit with offset
Interest Rate
2.59%
2.73%
  • Application: $0
  • Ongoing: $0 p.a.
$601
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.

Tic:Toc Live-in Loan Fixed Rate Home Loan
Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Interest Rate
3.47%
2.72%
  • Application: $0
  • Ongoing: $0 p.a.
$673
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for $10 a month.

Tic:Toc Invest Fixed Rate Home Loan
Principal & interestInvestment 1Y Fixed10% min. deposit
Principal & interestInvestment 1Y Fixed10% min. deposit
Interest Rate
3.62%
3.60%
  • Application: $0
  • Ongoing: $0 p.a.
$685
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for $10 a month.

Tic:Toc Invest Fixed Rate Home Loan
Principal & interestInvestment 2Y Fixed10% min. deposit
Principal & interestInvestment 2Y Fixed10% min. deposit
Interest Rate
4.48%
3.76%
  • Application: $0
  • Ongoing: $0 p.a.
$760
This convenient online home loan has no application or ongoing fees plus an optional offset account (with $10 monthly fee). Available with a 10% deposit.
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Tic:Toc key facts

  • Tic:Toc's home loan rates are lower than the market average and have very low fees.
  • Tic:Toc is an online-only lender backed by Bendigo and Adelaide Bank.
  • You only need a 10% deposit for most Tic:Toc home loans, which is good news for borrowers with small deposits.

Review by our senior home loans writer Richard Whitten

Tic:Toc home loan features

Here are the key features and details you need to know about Tic:Toc's mortgage products.

FeatureDetails
Minimum depositMost Tic:Toc loans have 90% maximum LVRs. This means you can get a loan with just a 10% deposit.
Offset accountYou can add an offset account to a Tic:Toc loan but you have to pay a $10 monthly fee.
FeesTic:Toc loans have very low fees, including no application fees. This could save you hundreds of dollars in loan costs.
Online applicationTic:Toc is a completely online lender, with phone and chat support. The lender uses a digital technology platform to speed up the application process (if you have all your identity and property information in order).
Repayment optionsBoth Tic:Toc's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a Tic:Toc mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

Each Tic:Toc product has 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:

📄 Property details. You can start a loan enquiry before you've bought a property, but to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, 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 (such as savings accounts and investments) and liabilities (for example, any outstanding debt you may have).

How to apply for a home loan

Lenders like Tic:Toc

If you want to compare loans from lenders similar to Tic:Toc, then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:

  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • UBank. A digital bank owned by NAB.
  • Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
  • Loans.com.au. A Brisbane-based online lender, Loans.com.au is backed by Firstmac, Australia's largest non-bank lender.
  • ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
  • ING. This online bank is part of the global, Dutch-based financial group of the same name.
  • 86 400. A digital bank that also offers home loans and has a very convenient app.

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