Tic:Toc Home Loans

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 - Principal & Interest

3.64 % p.a.

variable rate

3.65 % 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 3.64% p.a.
  • Comparison rate of 3.65% p.a.
  • Application fee of $0
  • Maximum LVR: 80%
  • Minimum borrowing: $50,000
  • Max borrowing: $2,000,000
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Compare Tic:Toc's home loans in the table below

Rates last updated August 15th, 2018
$
Loan purpose
Offset account
Loan 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
3.64%
3.65%
$0
$0 p.a.
80%
Low interest rate and limited fees. Add a 100% offset account for $10 a month.
4.31%
3.95%
$0
$0 p.a.
80%
A variable interest-only loan for investors. Fast application, low fees, optional offset account. 100% online lender.
3.84%
3.82%
$0
$0 p.a.
80%
A fixed rate loan with free redraws, few ongoing fees. Apply online with a fast approval process.
3.94%
3.92%
$0
$0 p.a.
80%
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process.
4.04%
3.95%
$0
$0 p.a.
80%
Apply online with Tic:Toc's fast approval system and get this competitive fixed rate, low-fee loan for investors.
3.84%
3.91%
$0
$0 p.a.
80%
Enjoy a fast application process and flexible repayment options with this fixed rate mortgage for investing.
3.74%
3.80%
$0
$0 p.a.
80%
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
3.64%
3.79%
$0
$0 p.a.
80%
Apply online for this fixed rate, low-fee loan with redraw facilities and an optional offset account.
4.36%
4.00%
$0
$0 p.a.
80%
This is a fixed rate loan for owner occupiers with few fees and a fast online approval process. Offset accounts are an optional extra.
4.46%
4.08%
$0
$0 p.a.
80%
Get quick online approval for Tic:Toc's fixed rate owner occupier home loan. Low fees, flexible repayments.
4.46%
4.10%
$0
$0 p.a.
80%
A fixed rate investment loan with flexible repayment, redraw facilities and fast online approval.
4.56%
4.18%
$0
$0 p.a.
80%
This fixed rate investment loan has a competitive interest rate, limited fees and flexible repayment options. Apply online and get quick approval.
4.04%
3.93%
$0
$0 p.a.
80%
Fix your rate for 1 year and make interest-only payments.
4.14%
3.96%
$0
$0 p.a.
80%
Investors can go from application to full approval in as little as 20 minutes with this innovative online lender.
4.24%
4.00%
$0
$0 p.a.
80%
Buy an investment property and enjoy the certainty of a 3-year fixed rate with interest-only payments.
4.90%
4.24%
$0
$0 p.a.
80%
Fix your rate for 4 years with this interest-only investment loan.
4.90%
4.31%
$0
$0 p.a.
80%
Lock in a fixed rate for 5 years and make interest-only payments with this investment loan.

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Who is Tic:Toc?

Tic:Toc is an innovative online lender streamlining the home loan process. It's backed by Bendigo and Adelaide Bank, so you can choose a Tic:Toc loan with confidence. Because it offers its loans online, Tic:Toc saves on overheads and can pass competitive deals on to you.

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 in any state or 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

How to compare online lenders

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