Tic:Toc Fixed Home Loan
This product is available in different versions. Pick the right version for you here.
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 85%
The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $50,000 | $2,000,000 |
| | Owner Occupier | Interest Only | < 80% | $50,000 | $2,000,000 |
| | Investor | Principal & Interest | < 85% | $50,000 | $2,000,000 |
| | Investor | Interest Only | < 80% | $50,000 | $2,000,000 |
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Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $50,000 $2,000,000
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Owner Occupier (Interest Only)
LVR < 80%
Loan: $50,000 $2,000,000
-
Investor (Principal & Interest)
LVR < 85%
Loan: $50,000 $2,000,000
-
Investor (Interest Only)
LVR < 80%
Loan: $50,000 $2,000,000
Tic:Toc Fixed Home Loan
Tic:Toc Fixed Home Loan
Tic:Toc Fixed Home Loan
Tic:Toc Fixed Home Loan
Mozo Review Tic:Toc Fixed Home Loan Review
Last updated: 5 December 2019.
What's hot:
2019 Mozo Online Home Lender of the Year
Optional offset account
What's not:
$325 discharge free
Mozo snapshot:
2019 Mozo Online Home Lender of the Year Tic:Toc has really upped the ante with its introduction of the world’s first instant mortgage, where borrowers can get the tick of approval in as little as 22 minutes. So if you’re happy to fill out your mortgage application entirely online, Tic:Toc may offer you a low, fixed rate loan that comes with the appeal of an optional offset account and extra repayments facility.
But it doesn't stop there. Not only does the Tic:Toc Fixed Home Loan offer low rates and innovative features, borrowers will also be happy to know that it's a multiple 2019 Mozo Experts Choice Award winner in the Fixed Rate Home Loan and Investor Fixed Home Loan categories.
Key features:
Tic:Toc’s Fixed Home Loan has the kind of versatility you’d want in a home loan - you can make extra repayments (up to $20,000) and the free redraw facility means you can dip into them if you need later on. You can choose to fix your loan from 1-5 years. For owner occupiers, the 1 year fixed rate is a low 2.84% (2.94% comparison rate*) while it’s 2.89% (3.14% comparison rate*) for property investors.
With Tic:Toc you can borrow from $50,000 to $2,000,000 and the good news is there are no fees unless you opt for an offset account which is $10 a month. There’s also a maximum LVR of 80% to consider.When you opt to fix your mortgage rate with Tic:Toc it doesn’t mean flexibility goes by the wayside, as you can choose how frequently you make repayments (weekly, fortnightly or monthly). You can also make additional mortgage repayments up to $20,000 (over the life of the loan), as well as access those extra repayments via a free redraw facility. Once your loan term comes to an end you’ll be liable for a $325 discharge fee.
Who it's good for:
The Tic:Toc Fixed Home Loan is a great choice for borrowers who want fixed repayments for a set period of time and like the convenience of an online application and fast approval process.
Any catches?
This mortgage will not suit those set on buying a property off the plan or a block of land, as the loan is only available for established home purchases only.
Details
Rates and fees information correct as at 13 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
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n/a
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n/a
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n/a
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n/a
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2.84% (2.94%*)
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2.84% (2.93%*)
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2.84% (2.92%*)
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3.04% (2.98%*)
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3.09% (3.01%*)
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n/a
-
n/a
-
2.94% p.a.
Fees
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$0.00
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$0.00
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$0.00
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$0.00
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n/a
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$0.00
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$325.00
Other financial bits
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$50,000
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$2,000,000
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none
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90.00%
Features
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Weekly, Fortnightly, Monthly
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yes - free, up to $20,000
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no
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yes - free
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none
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no
-
Optional - $10 per month
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PEXA service fee of $60 may be payable.
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none
-
none
Details
Rates and fees information correct as at 13 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
n/a
-
n/a
-
n/a
-
n/a
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4.72% (3.32%*)
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4.78% (3.46%*)
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4.82% (3.59%*)
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5.32% (3.88%*)
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5.32% (4.02%*)
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n/a
-
n/a
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3.17% p.a.
Fees
-
$0.00
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$0.00
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$0.00
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$0.00
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n/a
-
$0.00
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$325.00
Other financial bits
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$50,000
-
$2,000,000
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none
-
80.00%
Features
-
Weekly, Fortnightly, Monthly
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yes - free, up to $20,000
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no
-
yes - free
-
none
-
no
-
Optional - $10 per month
-
PEXA service fee of $60 may be payable.
-
none
-
none
Details
Rates and fees information correct as at 13 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
n/a
-
n/a
-
n/a
-
n/a
-
2.89% (3.14%*)
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2.89% (3.11%*)
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2.89% (3.09%*)
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3.19% (3.17%*)
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3.24% (3.19%*)
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n/a
-
n/a
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3.15% p.a.
Fees
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$0.00
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$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$325.00
Other financial bits
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$50,000
-
$2,000,000
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none
-
85.00%
Features
-
Weekly, Fortnightly, Monthly
-
yes - free, up to $20,000
-
no
-
yes - free
-
none
-
no
-
Optional - $10 per month
-
PEXA service fee of $60 may be payable.
-
none
-
none
Details
Rates and fees information correct as at 13 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
n/a
-
n/a
-
n/a
-
n/a
-
2.99% (3.14%*)
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2.99% (3.13%*)
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2.99% (3.12%*)
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3.29% (3.20%*)
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3.34% (3.23%*)
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n/a
-
n/a
-
3.15% p.a.
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$325.00
Other financial bits
-
$50,000
-
$2,000,000
-
none
-
80.00%
Features
-
Weekly, Fortnightly, Monthly
-
yes - free, up to $20,000
-
no
-
yes - free
-
none
-
no
-
Optional - $10 per month
-
PEXA service fee of $60 may be payable.
-
none
-
none
Customer Reviews
How are Tic:Toc home loans rated by the Mozo community?
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$520
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3.90% p.a.
$500
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2.84% p.a.
$785
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IMB Bank
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fixed 3 years
3.44% p.a.
$799
Promoted
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2.89% p.a.
fixed 3 years
3.96% p.a.
$0
