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Buying your first home? Get a low rate

Low rates, no upfront or ongoing fees, from 10% deposit and a faster process, all with local home loan experts if you have questions.

Variable

  • P&I

  • Live-in

  • 2.09% p.a.

    Interest rate

  • 2.10% 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.

Award-winning home loans, to suit you

  • Variable

    • P&I

    • Live-in

    • 2.09% p.a.

      Interest rate

    • 2.10% 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.

  • Fixed 1 year

    • P&I

    • Live-in

    • 3.47% p.a.

      Interest rate

    • 2.27% 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
    • 2.14%roll-to-rate after 1 year

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

Full approval (not pre-approval) in 3 easy steps

You can get your loan approved on your phone, while you eat your breakfast.

Corded landline phone next to mobile phone
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  1. Get ready

    Get the essential ducks in row – like having a form of ID handy, knowing the exact address (for full approval) or suburb (for conditional approval), as well as your income and expenses.

  2. Apply online

    Hit apply and away you go. We’ll value your property, verify your personal details, run a credit check and validate your income and expenses in real-time as you complete the application. If there is something we can’t do digitally, your application is sent to our human team to review.

  3. Sign, smirk and save 😏

    Get a decision in minutes, or ASAP if we hit a manual snag. If fully approved, your loan docs will be auto-generated and emailed to you, in most cases, within minutes. Print, sign, return and you’re ready to party.

Hungry for numbers?

We have calculators

Real humans in our Australian-based HQ

There’s a whole bunch of clever people at Tic:Toc HQ in Adelaide, working to make home loans faster, smarter and simpler. If you need help with your application, our experts are ready to chat.

Ivy Sarmiento

CUSTOMER HUB TEAM LEAD

Join the other clever customers

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Home loan guides

  • Person stamping the word no

    Home loans explained

    Why home loans are rejected

    Caitlyn Smith

  • numbered yellow lockers

    Home loans explained

    Offset vs. redraw

    Diem Tran

  • Sprinkles on a spoon

    Home loans explained

    The different types of home loans

    Caitlyn Smith

Bank-backed and funded

Tic:Toc home loans are funded by the good folk at Bendigo and Adelaide Bank, who are protected under the Financial Claims Scheme.

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Ready to start saving?

Get you home loan approved today and start saving.

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 23 May 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.

Tic:Toc Cashback 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.