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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Tic:Toc

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 December 8th, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
2.79%
2.93%
$0
$0 p.a.
90%
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.
2.89%
3.26%
$0
$0 p.a.
85%
Get instant online approval and flexible repayment options with this fixed rate mortgage for investing.
2.84%
3.07%
$0
$0 p.a.
90%
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 up 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.

FeatureDetails
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.

Eligibility

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 St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

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 ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)
ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)

Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.

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