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Tic:Toc Live-in Variable Rate Home Loan

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Get a low rate, low fee loan from a digital lender and apply online for full approval fast.

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.

Interest Rate Max Insured LVR Max LVR
Principal & Interest
2.19% p.a.
Comparison Rate
2.20% p.a.
90% 80%
Principal & Interest with offset
2.19% p.a.
Comparison Rate
2.34% p.a.
80% 80%
1 Year (Interest Only)
4.62% p.a.
Comparison Rate
3.08% p.a.
90% 80%
1 Year (Interest Only) With offset
4.62% p.a.
Comparison Rate
3.20% p.a.
90% 80%
2 Year (Interest Only)
4.62% p.a.
Comparison Rate
3.22% p.a.
90% 80%
2 Year (Interest Only) With Offset
4.62% p.a.
Comparison Rate
3.34% p.a.
90% 80%
3 Year (Interest Only)
4.62% p.a.
Comparison Rate
3.35% p.a.
90% 80%
3 Year (Interest Only) With Offset
4.62% p.a.
Comparison Rate
3.47% p.a.
90% 80%
4 Year (Interest Only)
4.62% p.a.
Comparison Rate
3.47% p.a.
90% 80%
4 Year (Interest Only) With Offset
4.62% p.a.
Comparison Rate
3.59% p.a.
90% 80%
5 Year (Interest Only)
4.62% p.a.
Comparison Rate
3.58% p.a.
90% 80%
5 Year (Interest Only) With Offset
4.62% p.a.
Comparison Rate
3.70% p.a.
90% 80%
Product NameTic:Toc Live in Loan Variable Rate
Interest Rate TypeVariable
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


  • 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.
  • 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 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.

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12 Responses

  1. Default Gravatar
    MarkJuly 18, 2019

    Does this lender do re-finance?

    • Avatarfinder Customer Care
      JeniJuly 19, 2019Staff

      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!


  2. Default Gravatar
    MatthewDecember 10, 2018

    Can I get the same rates with 10% deposit?

    • Avatarfinder Customer Care
      JeniDecember 14, 2018Staff

      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!


  3. Default Gravatar
    AndrewOctober 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
      NikkiOctober 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.


  4. Default Gravatar
    sarahMarch 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
      JoanneMarch 27, 2018Staff

      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.


  5. 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%

    • Default Gravatar
      ArnoldDecember 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


  6. 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 / $10

  • Max LVR


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