Tic:Toc Live-in Variable Rate Home Loan

Want a variable rate loan you can apply for in under 30 minutes? Check out Tic:Toc’s Live-in Variable Rate Loan

Tic:Toc’s Live-in Variable Rate home loan is an online loan that you can apply for using Tic:Toc’s fast approval system. The company boasts that it can reduce approval times from weeks to minutes. The Live-in Variable Rate loan is a low-fee loan with no charge for redraws or additional repayments.

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
Interest Only
5.1% p.a.
Comparison Rate
5.11% p.a.
80% 80%
Principal & Interest
3.52% p.a.
Comparison Rate
3.53% p.a.
80% 80%
Product NameTic:Toc Live in Loan Variable Rate
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR80%
Mortgage Offset AccountYes
Loan Redraw FacilityYes
Suitable for InvestmentNo
Extra RepaymentYes
Repayment TypePrincipal & Interest

Application Fee$0
Ongoing Fees$0 p.a.
Settlement Fee$0
Discharge Fee$325


  • No application, valuation or legal fees
  • Speedy online approval process


  • Optional offset accounts come with a $10 monthly fee
  • A $325 discharge fee applies

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 Variable Rate loan is available for owner-occupiers and is only available in capital cities and regional centres, including Tasmania and the Northern Territory.

As an online lender, borrowers apply for this loan entirely online. Tic:Toc assesses your eligibility and verifies your identity and income details as you apply. This results in a faster application process. Tic:Toc is backed by the Adelaide and Bendigo Bank.

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

  • Loan-to-value ratio (LVR). The Tic:Toc Live-in Variable Rate home loan requires at least a 20% deposit, meaning you can borrow up to 80% of the property’s value.
  • Repayment type and frequency. This loan allows for flexible monthly, weekly or fortnightly payments and unlimited additional repayments. There is no interest-only option, however.
  • Free redraws. This home loan allows unlimited free redraws.
  • Offset account. Tic:Toc gives you the option of adding an offset account for a $10 monthly fee.
  • Limited fees. Aside from a fee for the optional offset account, the Live-in Variable Rate loan has no application fees, ongoing fees or settlement fees. Tic:Toc will also provide a free valuation.
  • Speedy application. The entire Tic:Toc application process is online, and if you have all the necessary details ready and meet Tic:Toc's lending criteria you can get approval for the Tic:Toc Live-in Variable Rate loan in as little as 22 minutes.

What fees and charges come with this loan?

  • Optional offset account fee: $10. The only fee charged by Tic:Toc is the $10 monthly fee for the offset account.

Who is Tic:Toc?

Tic:Toc is an Australian fintech startup with an emphasis on delivering home loans to Australians with greater speed and efficiency than the competition.

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

How do I apply for this loan?

If you’re ready to apply for the Tic:Toc Live-in Variable Rate loan you can click the green button below. This takes you to 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 first.

    • Personal information. You need to provide valid ID, such as a driver’s licence, Medicare card or passport.
    • 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.
    • Property information. You’ll need to provide the address of the home you’re buying or refinancing, along with its current estimated value.
Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au 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, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

4 Responses

  1. Default Gravatar
    KarenDecember 3, 2017

    I want to refinance my investment property in Qld , I live in WA and have it rented , is there any loan out there that will let me borrow 100%

    • Staff
      ArnoldDecember 4, 2017Staff

      Hi Karen,

      Thanks for your inquiry

      I cannot guarantee you a refinance home loan that will let you borrow 100%, what I can give you is options for up to 95% borrowed. Please click here to view the options.

      Hope this information helps


  2. Default Gravatar
    KazzaNovember 17, 2017

    Do you know of any lenders who will lend more then 100% if you have a guarantor

Tic:Toc Live in Loan Variable Rate

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $0

  • Max LVR


Ask a question