Tic:Toc Home Loans

Rates and fees last updated on

Logo for Tic:Toc home loansTic:Toc is an Australian fintech that offers a complete end-to-end online home loan experience.

Tic:Toc’s online lending platform can offer eligible customers full home loan approval in as little as 22 minutes. The platform’s digital decisioning system eliminates the need for a human credit assessor and automates document collection and verification.

The lender is backed by Bendigo and Adelaide Bank.

Home Loan Offer

Tic:Toc Live in Loan Variable Rate

3.68 % p.a.

variable rate

3.69 % p.a.

comparison rate

Home Loan Offer

With the Tic:Toc Live in Loan Variable Rate Home Loan enjoy a home loan with no application or ongoing fees as well as a competitive interest rate. Borrow up to 80% of the property's value.

  • Interest rate of 3.68% p.a.
  • Comparison rate of 3.69% p.a.
  • Application fee of $0
  • Maximum LVR: 80%
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Compare Tic:Toc's home loans in the table below

Rates last updated August 23rd, 2017
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Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Tic:Toc Live in Loan Variable Rate
A competitive variable rate product with low fees offered by a 100% online lender.
3.68% 3.69% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Fixed Rate - 3 Years (Owner Occupier)
A fixed rate loan with free redraws, few ongoing fees. Apply online with a fast approval process.
4.32% 3.85% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Loan Variable Rate Home Loan
A low-fee variable rate investor loan with a fast online application process.
3.99% 4.00% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 2 Years Fixed
This fixed rate investor loan has limited fees and flexible repayment options. 100% online application process.
4.29% 4.05% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 3 Years Fixed
Apply online with Tic:Toc's fast approval system and get this competitive fixed rate, low-fee loan for investors.
4.42% 4.11% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed
Enjoy a fast application process and flexible repayment options with this fixed rate investment loan.
4.11% 4.01% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Fixed Rate - 2 Years (Owner Occupier)
Tic:Toc's fixed rate owner occupier loan has a competitive rate, limited fees and a fast, easy online application process.
4.19% 3.78% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Fixed Rate Home Loan - 1 Year (Owner Occupier)
Apply online for this fixed rate, low-fee loan with redraw facilities and an optional offset account.
3.94% 3.71% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Fixed Rate - 4 Years (Owner Occupier)
This is a fixed rate loan for owner occupiers with few fees and a fast online approval process. Offset accounts are an optional extra.
4.44% 3.94% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Fixed Rate - 5 Years (Owner Occupier)
Get quick online approval for Tic:Toc's fixed rate owner occupier home loan. Low fees, flexible repayments.
4.54% 4.04% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 4 Years Fixed
A fixed rate investment loan with flexible repayment, redraw facilities and fast online approval.
4.54% 4.18% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 5 Years Fixed
This fixed rate investment loan has a competitive interest rate, limited fees and flexible repayment options. Apply online and get quick approval.
4.64% 4.27% $0 $0 p.a. 80% Go to site More info

Types of home loans offered by Tic:Toc

Variable rate home loan

This is a basic, straightforward loan available to both owner-occupiers and investors. It carries no application, settlement or valuation fees, and has a maximum loan-to-value ratio (LVR) of 80%. The Tic:Toc variable rate loan also allows unlimited additional repayments and free redraw. You can add an offset account for a $10 per month service fee.

Fixed rate home loan

The Tic:Toc fixed rate home loan is available for terms of 1, 2, 3, 4 or 5 years, and is available to both owner-occupiers and investors. It has a maximum loan-to-value ratio (LVR) of 80%, and carries no application, settlement or valuation fees. The loan allows up to $20,000 in additional repayments and up to $20,000 in free redraws. There are no ongoing fees, though you can add an offset account for a $10 monthly service fee.

How do I apply for a home loan from Tic:Toc?

You can visit Tic:Toc’s website and click the “Apply Now” button to be taken through the application process. If you’re eligible, you can expect approval in as little as 22 minutes, and receive your settlement documents in as little as 30 minutes to two days.

Tic:Toc lends for established homes, not off-the-plan or vacant land. To be eligible, you must be purchasing property in a capital city or major regional centre. At time of writing, Tic:Toc does not lend in Tasmania or the Northern Territory.

When you apply, you’ll need to have a few details handy, including:

  • A current driver’s licence, passport or Medicare card
  • Details of household income and expenses
  • Three months of banking transaction statements or internet banking logins
  • The address and estimated value of the property you’re purchasing
  • Your proposed borrowing amount

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This page was last modified on 16 August 2017 at 4:56pm.

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