Tic:Toc Live in Loan Variable Rate
Rates and fees last updated on Monday 4 February 2019
Get a low rate, low fee loan from a digital lender and apply online for full approval in under 30 minutes.
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.
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Customers can choose to add an offset account to this product for a $10 monthly fee.
Can I get the same rates with 10% deposit?
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!
Cheers,
Jeni
I would like to remortgage and consolidate 3 loans into one. Is this possible? I have 2 property loans and one personal loan
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.
Regards,
Nikki
Hi
I started work one month ago. can I apply for a home loan with Reduce Home Loan or State Custodians? (need only 60% borrowing)
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.
Cheers,
Joanne
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%
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
Cheers,
Arnold
Do you know of any lenders who will lend more then 100% if you have a guarantor
Hi Kazza,
If you live in NSW, ACT or QLD you could possibly borrow up to 110% with a guarantor with this loan https://www.finder.com.au/greater-bank-great-rate-home-loan-discount-variable-with-family-pledge?purpose=both#20183
You could also check out our low deposit loans, which allow for 5% or 10% deposits: https://www.finder.com.au/low-deposit-home-loans
I hope this helps