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
2021 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 2021 Mozo Experts Choice Award winner in the Fixed Rate Home Loan and Investor Fixed Home Loan categories.
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 and 2 year fixed rate is a low 1.89% (2.18% comparison rate*) while it’s 2.17% (2.60% comparison rate*) and 2.29% (2.58% 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.
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.
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.
n/a
n/a
n/a
n/a
1.89% (2.18%*)
1.89% (2.15%*)
1.99% (2.15%*)
2.49% (2.30%*)
2.69% (2.39%*)
n/a
n/a
2.19% 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
2.72% (2.65%*)
2.72% (2.66%*)
2.72% (2.66%*)
5.32% (3.50%*)
5.32% (3.69%*)
n/a
n/a
2.63% 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
2.17% (2.60%*)
2.29% (2.58%*)
2.25% (2.55%*)
2.79% (2.69%*)
2.89% (2.74%*)
n/a
n/a
2.63% 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
2.39% (2.62%*)
2.49% (2.62%*)
2.59% (2.63%*)
2.99% (2.75%*)
3.09% (2.81%*)
n/a
n/a
2.63% 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.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a. variable
1.84% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Homestar
Star Classic Fixed Home Loan
n/a
n/a
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.89% p.a.
fixed 3 years
3.03% 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.
