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Review by

Richard Whitten is an editor at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. 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.

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*

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  1. Default Gravatar
    July 8, 2022

    Do you loan funds to seniors citizens with 70% deposit?

    • Avatarfinder Customer Care
      July 15, 2022

      Hi Roy,

      There are lenders offering home loans to senior citizens but your options might be limited. You can read our guide on home loans for over 55s as a reference. At Finder we do not lend to people ourselves, we just provide information to readers.

      It would be worth seeking assistance from a mortgage broker to get personalised advice regarding your situation. Their services are free, and they can help you find a specialist lender to work with. Simply fill out the form found on this page.

      I hope this helps!


  2. Default Gravatar
    April 24, 2022

    What is your minimum apartment size?

    • Avatarfinder Customer Care
      April 26, 2022

      Hi Marcus,

      While the size limit is not stated on the lender’s website, generally, the majority of lenders require a minimum size of 45 or 50 square metres (excluding the balcony and any car spaces) to be eligible for a loan.

      If you’re looking for home loan options for studio apartments our Finder guide covers critical topics about this loan program. It also has a list of lenders you can look into.

      I hope this helps!


  3. 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!


  4. 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 our list of home loans with 95% LVRs. You can use our comparison table to help you find the lender that suits you. 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!


  5. 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 refinance to consolidate 3 loans (2 property loans and personal loans) into one loan.

      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 is more information that you can take away from the page. You’d be able to see a list of mortgage brokers you can review before deciding on 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.


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