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Expert review

Richard Whitten

Review by

Richard Whitten is a senior writer at Finder covering home loans and property. He helps everyone understand the ins and outs of mortgages so they can make smarter property decisions. He has written for Yahoo Finance, Money Magazine, Homely, and for multiple banks and lenders. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea. Richard has a Bachelor of Education, a Graduate Certificate in Communication and is currently studying a Certificate IV in Finance and Mortgage Broking.

Expert review

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.

About this loan

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.
  • 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 very quickly.

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.

How to apply

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.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

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    Default Gravatar
    July 18, 2019

    Does this lender do re-finance?

      Avatarfinder Customer Care
      July 19, 2019

      Hi Mark,

      Thank you for getting in touch with Finder.

      Yes, they also refinance home loans.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    December 10, 2018

    Can I get the same rates with 10% deposit?

      Avatarfinder Customer Care
      December 14, 2018

      Hi Matthew,

      Thank you for getting in touch with finder.

      Please note that this page mentioned that Tic:Toc Live-in Variable Rate home loan requires at least a 20% deposit. Kindly contact Tic:Toc directly regarding your query.

      If you are still looking around, you may check out this page to get a home loan with lower than 20% deposit. I suggest that you seek professional help from a mortgage broker in deciding which bank/lender to go with.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


    Default Gravatar
    October 16, 2018

    I would like to remortgage and consolidate 3 loans into one. Is this possible? I have 2 property loans and one personal loan

      Default Gravatar
      October 16, 2018

      Hi Andrew,

      Thanks for reaching out to us.

      Yes, you are able to consolidate 3 loans (2 property loans and personal loan) into one loan. You may go to this page to read further.

      Refinancing to a debt consolidation loan involves reviewing your existing debts (and mortgage), and combining them into a new mortgage so that you have one monthly repayment, instead of several repayments.

      As it says on the page, many consolidate their debts to try and make their loan repayments more affordable. However, this strategy must make financial sense where the cost of the new loan including fees and interest is less than what you are currently paying on all your debts. There are more information that you can take away on the page. You’d be able to see a list of mortgage brokers you can review before deciding one for you.

      As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the product disclosure statement and contact the mortgage broker should you need any clarifications about the product. They will surely be able to review your circumstances into account and help you choose one loan fit for you.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


    Default Gravatar
    March 27, 2018

    I started work one month ago. can I apply for a home loan with Reduce Home Loan or State Custodians? (need only 60% borrowing)

      Avatarfinder Customer Care
      March 27, 2018

      Hi Sarah,

      Thanks for reaching out.

      Home loan providers have their own criteria for lending. You may want to check on the eligibility requirements of Reduce Home Loan or State Custodians to see if you qualify.

      You may also visit this page and compare basic home loans in the table. You may use the borrowing power calculator on the same page for you to get a rough idea of how much you could borrow with your income. The terms and conditions of each lender vary so it’s best to compare each and pick the one that will work best for you.

      Alternatively, you may speak with a mortgage broker for you to get specialised advise.


    Default Gravatar
    December 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%

      Default Gravatar
      December 4, 2017

      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


    Default Gravatar
    November 17, 2017

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

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