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Tic:Toc Invest Variable Rate review

Get a fast, competitive online variable investment mortgage.

The Tic:Toc Invest Variable Rate home loan is an investment home loan with a competitive variable rate. You can go through the entire home loan process online.

Optional offset account (with fee).

Customers can choose to add an offset account to this product for a $10 monthly fee.

Interest Rate Max Insured LVR Max LVR
Principal & Interest
2.9% p.a.
Comparison Rate
2.91% p.a.
90% 80%
Product NameTic:Toc Invest Loan Variable Rate Home Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$50,000
Maximum Loan Amount$2,000,000
Minimum Loan Term15 years
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR85%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityYes
Extra RepaymentYes
Repayment TypePrincipal & Interest
Application Fee$0
Lender's Legal Fee$0
Valuation Fee$0
Ongoing Fees$10 monthly ($120 p.a.)
Settlement Fee$0
Discharge Fee$325


  • Get your loan approved fast
  • Few fees


  • Optional offset accounts have a $10 monthly fee
  • $325 discharge fee

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.

What do I need to know about this loan?

The Tic:Toc Invest Variable Rate home loan is available to investors buying property in a capital city or major regional area in every state or territory.

Tic:Toc is an online lender partnered with Bendigo and Adelaide Bank. Its streamlined application process is entirely online and can help you get approved faster.

What are the features and benefits of the Tic:Toc Invest Variable Rate home loan?

  • Loan-to-value ratio (LVR). The Tic:Toc Invest Variable Rate home loan will allow you to borrow up to 80% of the property’s value. This means you’ll need at least a 20% deposit.
  • Repayment type and frequency. You can make payments on your home loan weekly, monthly or fortnightly, and payments can be set up via direct debit. You can also make unlimited additional repayments. However, this loan does not allow interest-only repayments.
  • Offset account option. You can add an offset account to your home loan for a $10 monthly fee.
  • Free redraw. The Tic:Toc Invest Variable Rate home loan allows unlimited free redraws.
  • No fees. You won’t pay any fees for the Tic:Toc Invest Variable Rate home loan. There are no application fees, ongoing fees or settlement fees. Tic:Toc will also provide a free valuation.
  • Easy application. The entire Tic:Toc application process is online.

What fees and charges come with this loan?

  • Optional offset account fee: $10. There is a $10 monthly fee if you want to add an offset account.

Who is Tic:Toc?

Tic:Toc is an Australian fintech startup with a new, digital-focused approach to high-speed home loan applications.

Tic:Toc’s loans are back by the Adelaide and Bendigo Bank, a more traditional lender.

How do I apply for the Tic:Toc Invest Variable Rate home loan?

If you’ve compared home loans and think the Tic:Toc Invest Variable Rate home loan could fit your investment needs, click the button below to be taken to the Tic:Toc website. You’ll need to provide a few details in order to apply for a loan.

    • Personal information. You’ll need to provide valid ID, such as your passport or Medicare card.
    • Property information. You’ll need to provide the address and estimated value of the home you’re buying or refinancing.
    • Financial information. Tic:Toc will want to know details about your household income and expenditures. Tic:Toc can use your online banking logins to verify all your financial information, so you won’t need to upload documents.

The Tic:Toc Invest Variable Rate home loan offers speedy approval and a convenient application process. Add it to your comparison today.

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4 Responses

  1. Default Gravatar
    RichardAugust 7, 2019

    My wife would like to refinance her Adelaide SA investment Property, Interest Only loan.

    The property value is $660,000.00 with an interest-only loan of $370,000.00. The current interest-only loan from ANZ Bank will need to be refinanced by Jan. 2020.

    The property is currently leased at $595.00 per week and has been for the past 2 1/2 years with the lease to roll over in Feb. 2020 for an additional 1 year.

    Can someone advise us on the bank will not take my USA social security pension of $34,000.00 per year into consideration for re-qualifying. Total annual income for my wife and I is $95,000.00 per year. We own our current home valued at $700,000.00, with significant savings in super and cash and marginal debt.

    • Default Gravatar
      NikkiAugust 13, 2019

      Hi Richard,

      Thanks for getting in touch! While we review multiple lenders on our side, in regards to your situation, a mortgage broker would be the best person to reach out to as they would be able to give you expert advice.

      Sorry I couldn’t be of help at this time. Feel free to reach out again for further assistance.

      Kind regards,

  2. Default Gravatar
    josephDecember 25, 2017

    can I get a construction loan here in s.a. , $350,000 based on equity of 4 existing properties . Equity is more than two times asking loan. I am a professional builder with 40 years experience.

    • Default Gravatar
      ArnoldDecember 28, 2017

      Hi Joseph,

      Thanks for your inquiry

      You may check all Equity Construction Loan options on our panel by clicking on this page.

      Always approach your bank or mortgage broker about a pre-approval for your construction loans. This will let you know exactly how much you’re able to spend on your land and your construction costs as a combined total. This is also a great way to ensure you don’t go over budget.

      Hope this information helps


Tic:Toc Invest Loan Variable Rate Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $10

  • Max LVR


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