Tic:Toc home loans

Tic:Toc's overall rating for home loans

(as rated by the Mozo community)

9.0 / 10

based on 1 reviews

Backed by the well-known Bendigo and Adelaide Banks, fintech lender Tic:Toc offers innovative home loan solutions for owner occupiers as well as property investors - including the 22 minute online home loan application.

Tic:Toc was recognised for its great value home loan products in 2020 when it took out the major title of Mozo Online Home Lender of the Year. They were also recognised by the Mozo  Expert Choice Award Judges in a number of other categories including for best: Fixed Rate Home Loan, Investor Fixed Home Loan, Low Cost Home Loan, First Home Buyer Loan, Investor Home Loan and Offset Home Loan.

Rates and fees verified as correct at 30 March, 2020. Other information correct at the time of writing.

What home loans do Tic:Toc offer?

Fixed Rate Home Loans Fixed Rate Home Loans

Looking for a mortgage that will give you the security of fixed loan repayments, while at the same time offer a competitive rate and flexible account features? Then a Tic:Toc fixed rate home loan is well worth considering, because you can make additional repayments (up to a set amount during the fixed rate period), dip into them via a redraw facility, opt for an optional offset account as well as choose your repayments schedule. Plug your numbers into the calculator below for a picture of what your monthly repayments could potentially look like:

Home loan repayments calculator
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

2.72% p.a.

2.86% p.a.



2.52% p.a.

2.82% p.a.



2.72% p.a.

2.88% p.a.



2.22% p.a.

2.58% p.a.




Variable Rate Home Loans Variable Rate Home Loans

If flexibility is a must for you when it comes to choosing a home loan, Tic:Toc’s variable rate mortgage won’t disappoint. Not only does the online-only provider offer competitively low interest rates compared to the major banks, borrowers can enjoy $0 application fees, no monthly fees unless they opt for an offset account, and a free redraw facility to access funds when they’re ahead on mortgage repayments. Need we say more? Run your numbers through Mozo’s calculator for a hypothetical on what you’d be paying every month for a variable rate mortgage with Tic:Toc:

Home loan repayments calculator
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.00% p.a.

2.95% p.a.



2.90% p.a.

2.91% p.a.



4.62% p.a.

3.62% p.a.



2.54% p.a.

2.55% p.a.




*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Frequently Asked Questions about Tic:Toc home loans

Do I have to apply online?

Yes, but while the fintech provider may not have physical branches that you can walk into like a typical bank, if you need help with your application or have questions you can still reach out via its live chat service or by giving Tic:Toc a ring.

Is the online-only application safe and secure?

Absolutely. Your data is in safe hands with Tic:Toc, as it has a secure data partnership with Envestnet Yodlee, a global leader in digital financial solutions technology that some of the biggest banks in the US are using too and bank grade security and encryption on its website.

What’s the maximum LVR required to take out a home loan with Tic:Toc?

You’ll need to have a 20% deposit saved up or more to be eligible for a Tic:Toc home loan. So if you’re looking for home loan with more flexible deposit requirements, simply shop around at Mozo’s home loan hub.

Any restrictions on where I can buy my property?

At the time of writing, Tic:Toc will only approve loan applications for home buying in capital cities and major regional centres.

Tic:Toc home loan features in a glance

Low ratesLow rates

Nabbing a mortgage with a low interest rate is important, so if it’s at the top of the list for you you’ll appreciate the competitive fixed and variable rates Tic:Toc offers.

$0 application fees$0 application fees

One of the benefits of opting for an online-only provider such as Tic:Toc, is that you get to skip all the admin fees normally involved with providers who operate in bricks and mortar facilities.

Fast approvalFast approval

Tic:Toc offers the world’s first instant home loan, which means that it can approve mortgage applications in as little as 22 minutes.

Flexible repaymentsFlexible repayments

Whichever Tic:Toc loan you decide to go with, you’ll have the ability to choose from weekly, fortnightly or monthly repayments.

Additional repayments facilityAdditional repayments facility

On a fixed rate loan you can make up to $20,000 worth of extra loan repayments during the fixed rate period, whereas with the variable rate version there is no limit.

Free redraw facilityFree redraw facility

Unexpected bills and expenses can crop up now and then, so it’s good to know you’ll have access to any extra repayments you’ve made while paying off your mortgage.

Optional offset accountOptional offset account

All Tic:Toc home loans give borrowers the option to pay $10 per month for an offset account, which is a great way to minimise interest charges over time.

How are Tic:Toc home loans rated?

Tic:Toc home loans

Overall 9.0



Customer service



1 Reviews

Recent Tic:Toc home loan reviews Recent Tic:Toc home loan reviews


Tic:Toc Variable Home Loan review

Overall rating   9 / 10

Unbeatable rates with great service.

Tic:Toc offers unbeatable rates with great service.

Full review

Tic:Toc offers unbeatable rates with great service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10


Janet, New South Wales, reviewed 5 months ago

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What do you need to apply for a Tic:Toc home loan? What do you need to apply for a Tic:Toc home loan?

If you’re sold on Tic:Toc home loans, by all means go ahead and apply! Just make sure you have the following details ready to include in your online submission:

  • At least one form of ID such as your driver’s licence, passport or Medicare card
  • Evidence that you receive regular income (or have a big pile of savings), which may require you to supply Tic:Toc with your banking login details
  • Proof that you have a 10% home loan deposit

Once you’ve uploaded your personal details, Tic:Toc will ask you what you think your monthly expenses are. Then it will do some number crunching behind the scenes and if successful you could become a mortgage holder sooner than you thought possible.


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