"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.

Award-winning home loans, to suit you

  • 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

    • 1.99% p.a.

      Interest rate

    • 1.91% 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.

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 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.

    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

    • Refinancing

      What you can do with your refinance savings

      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.

    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 17 December 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.