Low rates, no upfront or ongoing fees, from 10% deposit and a faster process, all with local home loan experts if you have questions.
Live-in
2.09% p.a.
Interest rate
2.10% p.a.
Comparison rate
Please note if you add an offset account, your comparison rate will change.
A streamlined process means streamlined costs. Get the best rates, with no fees.
Check them outOur application process can be completed 100% online, and our auto-assessment technology means we can assess you as you apply to slash wait times.
Applying for a home loanIf you need, our friendly customer support team is available 7 day a week to answer any questions.
Let's talkLive-in
2.09% p.a.
Interest rate
2.10% p.a.
Comparison rate
Please note if you add an offset account, your comparison rate will change.
Live-in
3.47% p.a.
Interest rate
2.27% p.a.
Comparison rate
Please note if you add an offset account, your comparison rate will change.
You can get your loan approved on your phone, while you eat your breakfast.
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.
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.
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?
Run the numbers before you get started, to get an upfront estimate of your borrowing power
Borrowing calculatorNot sure how your rates stack up? Find out how much you could save by refinancing.
Refinance calculatorDoes your home loan fit within your budget? Find out what your repayments will be.
Repayments calculatorGET HOME LOAN SMART
Home loans explained
Home loans explained
Home loans explained
Tic:Toc home loans are funded by the good folk at Bendigo and Adelaide Bank, who are protected under the Financial Claims Scheme.
As seen in
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.
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.
