FIND YOUR NEW HOME LOAN

Our live-in (owner occupied) home loans

Looking to buy your first (or next) home to live in? Get informed so that you can make the right decision.

A man and girl smile while looking at a vinyl record

What is an owner occupied home loan?

Tic:Toc's live-in loans are what banks and other lenders call “owner occupied” loans - but we like to think you live in your home, not just “occupy” it. So we refer to our loans as live-in home loans instead.

What does owner occupied mean? An owner occupied home loan (or live-in home loan as we prefer to think of them), is a home loan you can get to purchase a property you want to live in. This is different to an investment home loan which is a loan you get for a property you are using as an investment, and aren’t living in. With that being said, you can easily change your investment loan into a live-in loan if your circumstances change (more on that below).

BEFORE YOU START

There are a few things to consider
before buying a home

Check out our live-in home loans

Some of Australia's best interest rates live here

  • Variable

    • P&I

    • Live-in

    • 3.09% p.a.

      Interest rate

    • 3.10% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • Unlimitedadditional repayments
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank
  • Fixed 1 year

    • P&I

    • Live-in

    • 4.59% p.a.

      Interest rate

    • 3.28% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • $20,000additional repayment limit per year
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month
    • 3.14%roll-to-rate after 1 year

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank

Want to know more about
owner occupied home loans?

Check out our frequently asked questions for our live-in (owner occupied) home loans

BORROWING CALCULATOR

Not sure how much you can borrow?

We have a calculator for that.

TESTIMONIALS

Join the other smart customers

Slide 1 of 10

HOME LOAN GUIDE

Get home loan smart

  • Sprinkles on a spoon

    Home loans explained

    The different types of home loans

    Caitlyn Smith

  • Home loans explained

    Understanding home loan fees

    Caitlyn Smith

  • Front of house

    Buying a home

    What it costs upfront to buy a home

    Laura Osti

  • Woman writing on notepad on moving box while looking at man in background

    Buying a home

    The pros and cons of buying (or renting) a house

    Caitlyn Smith

  • A playing card is being placed on a deck of other cards

    Buying a home

    How to negotiate when buying

    Jemima Baum

  • Apartment buildings

    Buying a home

    Strata titles and levies – how do they work?

    Caitlyn Smith

Legal things about our rates, no tricks

No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. We’re transparent with our rate history, you can read about it here.

Our current rates

Our rates are current as of 25 July 2022; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. You can find all of our roll-to rates here. If the interest only period is not specified, the comparison rate is calculated on a one year period.

Rate Match Terms and Conditions


WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.