We dare you to find a lower rate

Australia’s lowest cost live-in variable (P&I) home loan – or we’ll match it.


Variable

  • P&I

  • Live-in

  • 2.59% p.a.

    Interest rate

  • 2.60% 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.

We dare you to find a better rate

Tic:Toc's Rate Match Guarantee

  • Found a better rate? We'll match the rate on identical variable P&I home loans

  • Available for live-in and investment home loans

  • No Tic:Toc application, annual or ongoing fees. Optional offset account available for $10/mth.

  • Available at time of application (sorry, no take backs)

Award-winning home loans, to suit you

  • Variable

    • P&I

    • Live-in

    • 2.59% p.a.

      Interest rate

    • 2.60% 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

    • 2.72% 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
    • 2.64%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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2
3
  1. Get ready

    Get the essential ducks in row – like having a form of ID handy, knowing the property address and your income and expenses.

  2. Apply online

    Hit apply and away you go. We’ll value the property you’re refinancing, 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 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.

    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.

    Hungry for numbers?

    We have calculators

    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.

    Join the other smart customers

    Slide 1 of 10

    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

    GET HOME LOAN SMART

    Home loan guides

    • Person looking at books

      Refinancing

      How to refinance your home loan

      Caitlyn Smith

    • People sitting at a park bench

      Refinancing

      The different types of refinance loans

      Caitlyn Smith

    • Grapes grow from an overhead vine

      Refinancing

      What you can do with your refinance savings

      Caitlyn Smith

    As seen in

    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.

    Rate match offer:

    If you’ve seen a lower rate for an identical variable P&I home loan product, and you’re applying for a loan from 1 June 2022, we’ll match the rate. This offer is available to customers eligible for a Tic:Toc Live-in or Investment home loan purchasing or refinancing a property from another financial institution. The rate will be honoured if the rate appears in your loan contract which must be accepted by you under the normal terms of the contract. This offer may change or be withdrawn at any time. This offer is subject to normal lending criteria and government charges. Excludes refinance of existing Tic:Toc home loans.

    What do we mean when we say ‘an identical variable P&I home loan product’?

    We’ll match the rate on the competitor variable P&I home loan product if it’s identical to the material features of our Tic:Toc product and the competitor product is currently on offer (i.e. not an expired or past promotion or offer). If the other product doesn’t contain the features that ours does and has extra fees, Tic:Toc doesn’t consider this to be an ‘identical product’.


    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.