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 80%

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 80%

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 80%

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 loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

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

  • Owner Occupier (Principal & Interest)

    LVR < 80%

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

  • Owner Occupier (Interest Only)

    LVR < 80%

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

  • Investor (Principal & Interest)

    LVR < 80%

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

  • Investor (Interest Only)

    LVR < 80%

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

p.a.

n/a

$0.00

Tic:Toc Fixed Home Loan

p.a.

n/a

$0.00

3.84% p.a.

3.82% p.a.

$0.00

Tic:Toc Fixed Home Loan

3.84% p.a.

3.82% p.a.

$0.00

4.24% p.a.

3.92% p.a.

$0.00

Tic:Toc Fixed Home Loan

4.24% p.a.

3.92% p.a.

$0.00

4.04% p.a.

3.95% p.a.

$0.00

Tic:Toc Fixed Home Loan

4.04% p.a.

3.95% p.a.

$0.00

4.24% p.a.

4.00% p.a.

$0.00

Tic:Toc Fixed Home Loan

4.24% p.a.

4.00% p.a.

$0.00

Mozo Review   Tic:Toc Fixed Home Loan Review

Last updated: 28 August 2018.

What's hot:
  • 1 year fixed rates from 3.59% (owner occupiers)

  • Fee-free extra repayments up to $20,000

  • Optional offset account

What's not:
  • $325 discharge free

Mozo snapshot:

Tic:Toc has 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 (comparison rates start from 3.64% for owner occupiers) that comes with the appeal of an optional offset account and extra repayments facility.

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 3.59% (3.64% comparison rate) while it’s 3.84% (3.91% 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 23 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.59% (3.64%*)

  • 3.64% (3.65%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.64% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $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

  • yes - optional, $10 per month

  • PEXA service fee of $55.33 may be payable.

  • none

Details

Rates and fees information correct as at 23 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 3.84% (3.82%*)

  • 4.36% (4.00%*)

  • 4.46% (4.08%*)

  • (*)

  • (*)

  • 3.80% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $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

  • yes - optional, $10 per month

  • PEXA service fee of $55.33 may be payable.

  • none

Details

Rates and fees information correct as at 23 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.72% (3.89%*)

  • 4.78% (3.98%*)

  • 4.24% (3.92%*)

  • 5.32% (4.33%*)

  • 5.32% (4.44%*)

  • (*)

  • (*)

  • 3.80% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $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

  • yes - optional, $10 per month

  • PEXA service fee of $55.33 may be payable.

  • none

Details

Rates and fees information correct as at 23 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.84% (3.91%*)

  • 3.94% (3.92%*)

  • 4.04% (3.95%*)

  • 4.46% (4.10%*)

  • 4.56% (4.18%*)

  • (*)

  • (*)

  • 3.91% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $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

  • yes - optional, $10 per month

  • PEXA service fee of $55.33 may be payable.

  • none

Details

Rates and fees information correct as at 23 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.04% (3.93%*)

  • 4.14% (3.96%*)

  • 4.24% (4.00%*)

  • 4.90% (4.25%*)

  • 4.90% (4.33%*)

  • (*)

  • (*)

  • 3.91% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $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

  • yes - optional, $10 per month

  • PEXA service fee of $55.33 may be payable.

  • none

Customer Reviews

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*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.