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Tic:Toc Fixed Home Loan

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 90%

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 90%

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 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $50,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 90%

    Loan: $50,000 $2,000,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $50,000 $2,000,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $50,000 $2,000,000

Fixed 3 year rate
2.32% p.a.
Comparison Rate*
2.38% p.a.
Service fee
$0.00
Upfront fee
$0
Go to site
Fixed 3 year rate
2.72% p.a.
Comparison Rate*
2.88% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
2.52% p.a.
Comparison Rate*
2.78% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
2.72% p.a.
Comparison Rate*
2.83% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review Tic:Toc Fixed Home Loan

Last updated: 24 September 2020.

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What's hot
  • 2020 Mozo Online Home Lender of the Year
  • Optional offset account
  • Low 2.09% 2 year fixed rate (2.35% comparison rate*)
What's not
  • $325 discharge free
Mozo snapshot

2020 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 2020 Mozo Experts Choice Award winner in the Fixed Rate Home Loan and Investor Fixed Home Loan categories. 

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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 2.22% (2.39% comparison rate*) while it’s 2.52% (2.83% 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.

snapshot
Who is it 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.

snapshot
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 24 October 2020. 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

  • 2.22% (2.39%*)

  • 2.09% (2.35%*)

  • 2.32% (2.38%*)

  • 3.04% (2.61%*)

  • 3.09% (2.67%*)

  • n/a

  • n/a

  • 2.39% 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

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free, up to $20,000

  • no

  • yes - free

  • none

  • no

  • Optional - $10 per month

  • PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

  • none

  • none

*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.

Details

Rates and fees information correct as at 24 October 2020. 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

  • 2.72% (2.91%*)

  • 2.72% (2.90%*)

  • 2.72% (2.88%*)

  • 5.32% (3.71%*)

  • 5.32% (3.87%*)

  • n/a

  • n/a

  • 2.92% 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

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free, up to $20,000

  • no

  • yes - free

  • none

  • no

  • Optional - $10 per month

  • PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

  • none

  • none

*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.

Details

Rates and fees information correct as at 24 October 2020. 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

  • 2.52% (2.83%*)

  • 2.52% (2.80%*)

  • 2.52% (2.78%*)

  • 3.19% (2.97%*)

  • 3.24% (3.01%*)

  • n/a

  • n/a

  • 2.85% 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

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free, up to $20,000

  • no

  • yes - free

  • none

  • no

  • Optional - $10 per month

  • PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

  • none

  • none

*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.

Details

Rates and fees information correct as at 24 October 2020. 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

  • 2.72% (2.85%*)

  • 2.72% (2.84%*)

  • 2.72% (2.83%*)

  • 3.29% (3.00%*)

  • 3.34% (3.04%*)

  • n/a

  • n/a

  • 2.85% 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

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free, up to $20,000

  • no

  • yes - free

  • none

  • no

  • Optional - $10 per month

  • PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required.

  • none

  • none

*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.

Customer Reviews

How are Tic:Toc home loans rated by the Mozo community?

Overall
9.0/10
Price
10.0/10
Features
10.0/10
Customer service
10.0/10
Convenience
9.0/10
Trust
9.5/10

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2.34% p.a. variable

2.34% p.a.

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2.54% p.a. variable

2.81% p.a.

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fixed 3 years

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Economy

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2.76% p.a.

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Offset Home Loan (Package)

2.54% p.a.

2.81% p.a.

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Smart Home Loan

2.48% p.a.

2.50% p.a.

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HSBC

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2.59% p.a.

2.60% p.a.

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Athena

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AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

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Homestar

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Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

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UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

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Suncorp

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Back to Basics

2.68% p.a.

2.69% p.a.

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Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

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n/a

n/a

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Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

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Star Classic Fixed Home Loan

2.06% p.a.
fixed 3 years

2.38% p.a.

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n/a

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Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

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2.25% p.a.
fixed 3 years

3.41% p.a.

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2.39% p.a.
fixed 3 years

3.08% p.a.

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2.49% p.a.
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3.07% 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.