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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 90% | $50,000 | $2,000,000 |
|
|
Owner Occupier | Interest Only | < 90% | $50,000 | $2,000,000 |
|
|
Investor | Principal & Interest | < 90% | $50,000 | $2,000,000 |
|
|
Investor | Interest Only | < 90% | $50,000 | $2,000,000 |
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
2022 Mozo Online Home Lender of the Year Tic:Toc has upped the ante with the introduction of its near-instant mortgage, where borrowers can get the tick of approval in as little as 22 minutes. So if you’re looking to lock in a home loan with a competitive fixed rate plus some handy extra features, and you're happy to fill out your mortgage application entirely online, Tic:Toc's Fixed Home Loan may be worth a closer inspection.
It doesn't stop there though. Borrowers will also be happy to know that the Fixed Home Loan took out 2022 Mozo Experts Choice Home Loan Awards in the Fixed Rate Home Loan and Investor Fixed Home Loan categories.
Tic:Toc’s Fixed Home Loan has the kind of versatility that's relatively rare in a fixed home loan. You can borrow from $50,000 to $2,000,000, 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. There's even an optional offset account available, though it does come at a cost of $10/month, and when it comes to making repayments you'll be able to choose between making them on a weekly, fortnightly or monthly schedule.
In terms of rates, both owner occupiers and investors will be able to fix their loan for 1-5 years as long as they have a loan-to-value ratio (LVR) below 90%.
Unless you opt for an offset account the only fee you'll need to consider is the $395 discharge fee at the end of your loan, as Tic:Toc doesn't charge any upfront or ongoing service fees.
The Tic:Toc Fixed Home Loan could be 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.
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.
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n/a |
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n/a |
|
|
n/a |
|
|
n/a |
|
|
4.59% (3.74%*) |
|
|
5.29% (3.94%*) |
|
|
5.74% (4.20%*) |
|
|
5.89% (4.42%*) |
|
|
5.94% (4.61%*) |
|
|
n/a |
|
|
n/a |
|
|
3.64% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$50,000 |
|
|
$2,000,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free, up to $20,000 p.a. |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.79% (4.62%*) |
|
|
5.99% (4.77%*) |
|
|
6.14% (4.93%*) |
|
|
6.19% (5.08%*) |
|
|
6.44% (5.30%*) |
|
|
n/a |
|
|
n/a |
|
|
4.49% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$50,000 |
|
|
$2,000,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free, up to $20,000 p.a. |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.79% (4.53%*) |
|
|
5.49% (4.68%*) |
|
|
5.94% (4.89%*) |
|
|
6.09% (5.06%*) |
|
|
6.14% (5.20%*) |
|
|
n/a |
|
|
n/a |
|
|
4.49% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$50,000 |
|
|
$2,000,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free, up to $20,000 p.a. |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.89% (4.53%*) |
|
|
5.59% (4.70%*) |
|
|
6.04% (4.91%*) |
|
|
6.19% (5.08%*) |
|
|
6.24% (5.21%*) |
|
|
n/a |
|
|
n/a |
|
|
4.49% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$50,000 |
|
|
$2,000,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free, up to $20,000 p.a. |
|
|
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.
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4.22% p.a.
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3.49% p.a.
3.49% 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.
