Get the Finder app 🥳

Connect your accounts & save

Tic:Toc Live-in Fixed Rate Home Loan

Get the stability of fixed home loan repayments without sacrificing a competitive interest rate, plus fast online approval.

Protect yourself from interest rate rises with the Live-in Fixed Rate home loan from Tic:Toc, an online lender with a fast digital application process. This loan is for owner-occupiers, comes with very few fees and has terms of one, two, three, four or five years.

Interest Rate Max Insured LVR Max LVR
5 Year (Owner Occupier, P&I)
3.09% p.a.
Comparison Rate
2.77% p.a.
90% 80%
4 Year (Owner Occupier, P&I)
3.04% p.a.
Comparison Rate
2.71% p.a.
90% 80%
3 Year (Owner Occupier, P&I)
2.32% p.a.
Comparison Rate
2.50% p.a.
90% 80%
1 Year (Owner Occupier, P&I)
2.22% p.a.
Comparison Rate
2.52% p.a.
90% 80%
1 Year (Owner Occupier, IO)
2.72% p.a.
Comparison Rate
2.91% p.a.
90% 80%
2 Year (Owner Occupier, IO)
2.72% p.a.
Comparison Rate
2.90% p.a.
90% 80%
2 Year (Owner Occupier, P&I)
2.27% p.a.
Comparison Rate
2.50% p.a.
90% 80%
3 Year (Owner Occupier, IO)
2.72% p.a.
Comparison Rate
2.88% p.a.
90% 80%
4 Year (Owner Occupier, IO)
5.32% p.a.
Comparison Rate
3.71% p.a.
90% 80%
5 Year (Owner Occupier, IO)
5.32% p.a.
Comparison Rate
3.87% p.a.
90% 80%
Product NameTic:Toc Live-in Loan Fixed Rate Home Loan
Interest Rate TypeFixed
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 LVR90%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityYes
Extra RepaymentYes
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$0
Lender's Legal Fee$0
Valuation Fee$0
Ongoing Fees$10 monthly ($120 p.a.)
Settlement Fee$0
Discharge Fee$325


  • Redraw facility
  • Limited fees


  • A $325 discharge fee applies
  • Optional offset account incurs a $10 monthly 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 Live-in Fixed Rate loan is currently available for borrowers in capital cities and regional centres in all states and territories.

A key difference between Tic:Toc and other lenders is the application process. Borrowers can only apply online and Tic:Toc assesses your application as you enter your details. The application process than can take minutes instead of weeks. Tic:Toc has the backing of the Adelaide and Bendigo Bank.

What are the features and benefits of Tic:Toc’s Live-in Fixed Rate home loan?

  • Loan-to-value ratio (LVR). The Tic:Toc Live-in Fixed Rate home loan requires at least a 20% deposit, meaning you can borrow up to 80% of a property’s value.
  • Free redraws. The Live-in Fixed Rate home loan allows for unlimited free redraws.
  • Offset account. Tic:Toc will provide an offset account for a $10 monthly fee.
  • Repayment frequency. Borrowers can make monthly, weekly or fortnightly payments and unlimited additional repayments.
  • Limited fees. The Live-in Fixed Rate loan has no application fees, ongoing fees or settlement fees and Tic:Toc offers free valuations. There is only a monthly fee if you choose an offset account.
  • Fast application. The entire Tic:Toc application process is online. The lender can process your application quickly if you have all the necessary details to hand.

What fees and charges come with this loan?

  • Offset account fee (optional): $10. The only fee charged by Tic:Toc is the $10 monthly fee for the offset account.

How do I apply for this loan?

Interested in this loan? Simply click the green button below to visit Tic:Toc’s website, where you can begin your application. Tic:Toc claims they can approve lenders faster than traditional lenders, but you’ll need some documentation to make this happen.

  • Personal information. You need valid ID, such as a driver’s licence, Medicare card or passport.
  • Property information. You’ll need to provide the address of the home you’re buying or refinancing, along with its current estimated value.
  • Financial information. Tic:Toc needs information about your household income and expenditures. If you provide your banking logins, Tic:Toc can verify all your financial information without the need to upload documents.

Related Posts

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

2 Responses

  1. Default Gravatar
    richardNovember 21, 2018

    I am in receipt of a commonwealth pension .How difficult is it to obtain an owner occupier loan,given my age 63 and the nature of my pension which is for life at a rate which increases in line with cpi ?

    • Avatarfinder Customer Care
      JoshuaNovember 26, 2018Staff

      Hi Richard,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      While it is true that being a pensioner limits your success of getting a home loan, it is still possible given with the right requirements. For example, if you have other assets and you meet the eligibility requirements, then you might be able to get an owner-occupier loan.

      It is advisable that you directly get in touch with a lender. Check this page to know your options. There’s a list of lenders on that page. Click on the “Go to site” green button to be redirected to their website. You can then discuss your position in person with your financial provider.

      Another suggestion would be to speak to a qualified mortgage broker. They can help you to further explore your options.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


Tic:Toc Live-in Loan Fixed Rate Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $10

  • Max LVR


Ask a question
Go to site