{"postModifiedDate":"Monday 3 December 2018","name":"Tic:Toc Live in Loan Variable Rate","productId":"24717","variantId":"24717","productSummary":[{"headline":"Repayment type and frequency","description":"This loan allows for flexible monthly, weekly or fortnightly payments and unlimited additional repayments. There is no interest-only option, however.\r"},{"headline":"Speedy application","description":"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.\r"},{"headline":"Offset account","description":"Tic:Toc gives you the option of adding an offset account for a $10 monthly fee.\r"},{"headline":"Repayment type and frequency","description":"This loan allows for flexible monthly, weekly or fortnightly payments and unlimited additional repayments."}],"productIntro":{"headline":"Get a low rate, low fee loan from a digital lender and apply online for full approval in under 30 minutes.","description":"Tic:Toc\u2019s Live-in Variable Rate home loan is an online loan that you can apply for using Tic:Toc\u2019s 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."},"pros":["No application, valuation or legal fees\r","Speedy online approval process"],"cons":["Optional offset accounts come with a $10 monthly fee\r","A $325 discharge fee applies"],"fees":[{"title":"Application Fee","data":{"text":"$0"}},{"title":"Lender's Legal Fee","data":{"text":"$0"}},{"title":"Valuation Fee","data":{"text":"$0"}},{"title":"Ongoing Fees","data":{"text":"$0 p.a."}},{"title":"Settlement Fee","data":{"text":"$0"}},{"title":"Discharge Fee","data":{"text":"$325"}}],"whatHappens":["Clicking Go to site will take you to the lender's website.","","You will be able to complete the application process entirely online.","","To speed up the process you will need to have all the necessary financial documents ready.","","If you need help during the process you can contact the lender via their website."],"whatInfoDoINeed":["When you apply for the Tic:Toc Live in Loan Variable Rate you'll\nneed to supply the following: personal details such as date of\nbirth, residency status, current residential address and employment\nstatus; information about your current assets and debts; income and expenditure details."],"provider":{"name":"Tic:Toc","logoUrl":"https:\/\/d1ic4altzx8ueg.cloudfront.net\/global\/images\/providers\/tictoc-logo.png","siteUrl":"https:\/\/www.tictochomeloans.com\/"},"externalInfo":{"feeNotes":{"headline":"","description":""},"redrawNotes":{"headline":"Optional offset account (with fee)","description":"Customers can choose to add an offset account to this product for a $10 monthly fee."}},"variantDetails":{"0":{"label":"Product Name","value":"Tic:Toc Live in Loan Variable Rate"},"1":{"label":"Interest Rate Type","value":"Variable"},"3":{"label":"Comp Rate^ (p.a.)","value":"<\/span><\/span>"},"4":{"label":"Minimum Loan Amount","value":"$50,000"},"5":{"label":"Maximum Loan Amount","value":"$2,000,000"},"6":{"label":"Minimum Loan Term","value":"15 years"},"7":{"label":"Maximum Loan Term","value":"30 years"},"8":{"label":"Maximum LVR","value":"80%"},"9":{"label":"Maximum Insured LVR","value":"80%"},"10":{"label":"Mortgage Offset Account","value":"Yes"},"12":{"label":"Loan Redraw Facility","value":"Yes"},"16":{"label":"Suitable for Investment","value":"No"},"17":{"label":"Extra Repayment","value":"Yes"},"19":{"label":"Repayment Type","value":"Principal & Interest and Interest Only Options"}},"productFieldsToFetch":["hl_product_id","hl_product_name","hl_product_interest_rate","hl_product_max_insured_LVR","hl_product_min_loan_amount","hl_product_max_loan_amount","hl_product_comp_rate","hl_product_active","hl_product_apply_url","hl_product_hide_apply_buttons","cc_provider_mortgage_broker","hl_product_hide_mortgage_broker"]}