Tic:Toc Variable 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 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
2.79% p.a.
2.80% p.a.
$0.00
Tic:Toc Variable Home Loan
2.79% p.a.
2.80% p.a.
$0.00
Tic:Toc Variable Home Loan
2.79% p.a.
2.80% p.a.
$0.00
4.87% p.a.
3.33% p.a.
$0.00
Tic:Toc Variable Home Loan
4.87% p.a.
3.33% p.a.
$0.00
Tic:Toc Variable Home Loan
4.87% p.a.
3.33% p.a.
$0.00
3.15% p.a.
3.16% p.a.
$0.00
Tic:Toc Variable Home Loan
3.15% p.a.
3.16% p.a.
$0.00
Tic:Toc Variable Home Loan
3.15% p.a.
3.16% p.a.
$0.00
3.25% p.a.
3.17% p.a.
$0.00
Tic:Toc Variable Home Loan
3.25% p.a.
3.17% p.a.
$0.00
Tic:Toc Variable Home Loan
3.25% p.a.
3.17% p.a.
$0.00
Mozo Review Tic:Toc Variable Home Loan Review
Last updated: 5 December 2019.
What's hot:
2.79% variable rate (2.80% comparison rate)*
2019 Mozo Experts Choice Online Home Lender of the Year
As little as 10% deposit required
What's not:
Offset account requires $10 monthly fee
Mozo snapshot:
Offering an alarmingly low variable rate of 2.79% (2.80% comparison rate)* for owner occupiers and a mortgage approval process that only takes 22 minutes, the Variable Home Loan by Australia’s newest online lender Tic:Toc stands out in the online lending space - part of the reason why it took out the title of 2019 Mozo Experts Choice Online Home Lender of the Year.
But that’s not all this mortgage has going for it - there’s an offset account available on an opt-in basis, fee-free redraw facility and flexible repayments. In fact, the Variable Home Loan also picked up three 2019 Mozo Experts Choice Awards for best Low Cost Home Loan, Investor Home Loan and Offset Home Loan.
Key features:
If you’re looking for a low rate mortgage, the Tic:Toc Variable Rate Home Loan is well worth considering with an interest rate of only 2.79% (2.80% comparison rate)* for owner occupiers and 3.15% (3.16% comparison rate)* for investors. The fintech lender has one of the fastest approval times in the market - it can literally approve your loan in 22 minutes! While you apply 100% online Tic:Toc also has customer support you can talk to over the phone or via an online chat.
The Tic:Toc Variable Rate Home Loan is suitable for those looking to borrow as much as 90% of the property’s value and loan amounts can range from $50,000 to $2,000,000. While there are $0 application fees required, if you choose to have an offset account active, which is a great way to reduce the interest on your home loan, you’ll pay $10 every month.
On the flexibility front, you can choose between weekly, fortnightly or monthly loan repayments, make extra repayments at any time, and if needed, dip into any additional home loan repayments free of charge via a redraw facility. At the end of the loan term, just be aware there is a $325 discharge fee.
Who it's good for:
Homeowners in the market for a low rate home loan that offers a quick application turnaround, while at the same time doesn’t fall short on the perks of an optional offset account and free redraw facility.
Any catches?
Details
Rates and fees information correct as at 25 February 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
-
2.79% p.a.
-
n/a
-
n/a
-
n/a
-
2.80% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/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
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
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
Details
Rates and fees information correct as at 25 February 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
-
4.87% p.a.
-
n/a
-
n/a
-
n/a
-
3.33% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/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
-
Owner Occupier
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
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
Details
Rates and fees information correct as at 25 February 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
-
3.15% p.a.
-
n/a
-
n/a
-
n/a
-
3.16% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/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
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
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
Details
Rates and fees information correct as at 25 February 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
-
3.25% p.a.
-
n/a
-
n/a
-
n/a
-
3.17% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/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
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
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
Customer Reviews
How are Tic:Toc home loans rated by the Mozo community?
Latest review of Tic:Toc Variable Home Loan
-
Unbeatable rates with great service.
Tic:Toc offers unbeatable rates with great service.
Read full reviewTic:Toc offers unbeatable rates with great service.
Price10/10Features10/10Customer service10/10Convenience10/10LessTrust10/10
Promoted
Bank of Queensland
Fixed Rate
2.79% p.a.
fixed 3 years
3.67% p.a.
$450
Promoted
Newcastle Permanent
Real Deal Home Loan
3.19% p.a. variable
3.23% p.a.
$0
Promoted
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Real Deal Home Loan
3.19% p.a. variable
3.23% p.a.
$0
Promoted
Newcastle Permanent
Real Deal Home Loan
3.19% p.a.
3.23% p.a.
$0
Promoted
Bank of Queensland
Fixed Rate
2.79% p.a.
fixed 3 years
3.67% p.a.
$450
Promoted
loans.com.au
Fixed Home Loan
2.99% p.a.
fixed 3 years
3.27% p.a.
$520
Promoted
Qudos Bank
Fixed Rate Home Loan
2.89% p.a.
fixed 3 years
3.23% p.a.
$0
Promoted
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.89% p.a.
fixed 3 years
3.96% p.a.
$0
Promoted
loans.com.au
Fixed Home Loan
3.79% p.a.
fixed 3 years
3.47% p.a.
$520
Promoted
Bank of Queensland
Fixed Rate
2.79% p.a.
fixed 3 years
3.67% p.a.
$450
