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Tic:Toc Investor Interest-Only Variable Rate Home Loan

Investors can maximise their tax effectiveness with this interest-only home loan.

The Tic:Toc Investor Interest-Only Variable Rate Home Loan offers investors a way to maximise their tax deductible debt by paying only the interest portion of their loan. It also offers some helpful features and the ability to make extra repayments.

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Adam Smith
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Review by

Adam Smith was the home loans editor at Finder.

Expert review

The Tic:Toc Investor Interest-Only Variable Rate Home Loan is available to investors in residential property.

About this loan

What are the feature and benefits of the Tic:Toc Investor Interest-Only Variable Rate Home Loan?

  • Loan amount and purpose. The Tic:Toc Investor Interest-Only Variable Rate Home Loan is only available to investors who are purchasing residential property. It has a minimum loan amount of $50,000 and a maximum loan amount of $2,000,000.
  • Loan-to-value ratio. The Tic:Toc Investor Interest-Only Variable Rate Home Loan has a maximum LVR of 80%.
  • Repayment frequency. Repayments must be made monthly. It's important to remember that interest-only repayments won't reduce the principal amount. However, you can make as many additional repayments as you like towards the principal.
  • Redraw facility. If you've made additional repayments towards the loan principal, the Tic:Toc Investor Interest-Only Variable Rate Home Loan allows you to withdraw these funds using the redraw facility. Keep in mind that there's a minimum redraw amount of $500.
  • 100% offset account. The Tic:Toc Investor Interest-Only Variable Rate Home Loan offers a 100% offset account for an additional $10 per month.

What fees and charges come with this loan?

  • Discharge fee: $325. This fee is charged when you close your home loan account, either by repaying your loan or refinancing.

How to apply

If you're interested in the Tic:Toc Investor Interest-Only Variable Rate Home Loan you can click the link below. You'll be redirected to the Tic:Toc website where you'll be walked through the quick, 20-minute application process.

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