"Good old online home loans" displayed on 1950s TV

Save with a low variable home loan rate today

Low rates, a faster process, from 10% deposit. 100% offset account available.

Variable

  • P&I

  • Live-in

  • 1.89% p.a.

    Interest rate

  • 1.90% 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.

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.

compare your loan

How much can you save?

You may be paying way too much for your home loan. Find out how much you could save by refinancing with Tic:Toc.

Your current home loan details

Your home loan options

  • Variable

    • P&I

    • Live-in

    • 1.89% p.a.

      Interest rate

    • 1.90% 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

    • 1.84% p.a.

      Interest rate

    • 1.90% 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
    • 1.89%roll-to-rate after 1 year

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

🤔 Need a hand? Chat with our Aus-based team

Join the other clever customers

Slide 1 of 10

Listen to a real-life Tic:Toc experience


Wondering if we’re too good to be true? Hear straight from our customers about their Tic:Toc experience.
Watch now to learn more.

These testimonials represent the individual, real life experiences of Tic:Toc customers, which mean your personal results may vary. The testimonials are not necessarily representative of all of those who will use our products.

Eligibility checklist

Let's make sure we're a good fit. You'll need:

  • To be buying or refinancing an established property (not off the plan or construction)
  • To be buying a home in a capital city or major regional centre
  • To be borrowing at least $50k but no more than $3m
    • For loans under $2m, at least a 10% deposit or equity, plus savings to cover fees and charges such as stamp duty. If you have less than a 20% deposit, you'll need to pay Lenders' Mortgage Insurance (LMI)
    • For loans more than $2m, at least a 25% deposit or equity, plus savings to cover fees and charges such as stamp duty. Funds in this instance can't be used for an equity release or 'cash out' refinance.
  • To be currently employed, either through PAYG or self-employment
  • At least one form of government ID, such as a passport, driver’s licence or Medicare card
  • To be an Australian citizen or permanent resident, and live in Australia

Our fees. What fees?

We use tech to automate the traditional home loan process, so we can pass on the savings to you.

Industry standardTic:Toc
Application feeUp to $850$0
Monthly feeUp to $50$0
Annual feeUp to $500$0
Offset account fee$10 to $30 or built into the interest rate$10 / month (optional)
Online redraw feeUp to $25 per redraw$0
Valuation fee Up to $800$0
Settlement feeUp to $200$0
Solicitor/Conveyancer costsUp to $200Approx. $60 - $200.

Exit / discharge feeUp to $1000$325
Government refinance costs

These vary by state, but include title registration, discharge of mortgage, and title search fees.

Around $260 - $440
Government buying costs

These vary by state, but include stamp duty, title and mortgage registration, and title search fees.

Dependent on your property value and which state you're in, but can be thousands.


  • Lower rates, no fees

    A streamlined process means streamlined costs. Get the best rates, with no fees.

  • Simpler process

    Complete your online (and jargon-free) application in your own time, with local customer support available 7 days.

  • Full approval, faster

    Thanks to our auto-assessment technology, we assess you as you apply to slash wait times.

Have a question? We have answers

If you can't find what you're looking for, please get in touch.

Woman holds retro corded handset

As seen in

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.

Kristina Chang

credit assessor

Ready to start saving?

Get your and start 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 12 November 2021; 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. 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.