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 | |
|---|---|---|---|---|---|
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Owner Occupier | Principal & Interest | < 90% | $50,000 | $2,000,000 |
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Owner Occupier | Interest Only | < 90% | $50,000 | $2,000,000 |
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Investor | Principal & Interest | < 90% | $50,000 | $2,000,000 |
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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
Offering an incredibly low variable rate of 2.59% p.a. variable rate (2.60% p.a. comparison rate*) for new customers taking out an owner occupier loan, plus a mortgage approval process that only takes 22 minutes, the Variable Home Loan from online lender Tic:Toc stands out in the online lending space. Hardly a surprise then that Tic:Toc took out the title of 2022 Mozo Experts Choice Online Home Lender of the Year.
But the awards don't stop there. In fact, the Variable Home Loan also picked up a staggering four other 2022 Mozo Experts Choice Home Loan Awards for best Low Cost Home Loan, Investor Home Loan, First Home Buyer Loan and Offset Home Loan.
If you’re looking for a low rate mortgage, the Tic:Toc Variable Rate Home Loan is well worth considering with variable interest rates for new customers starting as low as 2.59% p.a. variable rate (2.60% p.a. comparison rate*) for owner occupiers and 2.89% p.a. (2.90% p.a. 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 $395 discharge fee.
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.
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2.59% p.a. |
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n/a |
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n/a |
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n/a |
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2.60% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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n/a |
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$0.00 |
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$325.00 |
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$50,000 |
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$2,000,000 |
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none |
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90.00% |
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Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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no |
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yes - free |
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none |
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no |
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Optional - $10 per month |
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PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required. |
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none |
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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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3.45% p.a. |
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n/a |
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n/a |
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n/a |
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3.59% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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n/a |
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$0.00 |
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$325.00 |
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$50,000 |
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$2,000,000 |
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none |
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90.00% |
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Owner Occupier |
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Interest Only |
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Weekly, Fortnightly, Monthly |
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yes - free |
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no |
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yes - free |
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none |
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no |
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Optional - $10 per month |
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PEXA service fee of approximately $60 may be payable for online settlement, or approximately $80-$200 for paper settlement if required. |
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none |
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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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2.89% p.a. |
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n/a |
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n/a |
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n/a |
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2.90% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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n/a |
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$0.00 |
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$325.00 |
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$50,000 |
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$2,000,000 |
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none |
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90.00% |
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Investor |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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no |
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yes - free |
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none |
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no |
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Optional - $10 per month |
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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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3.40% p.a. |
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n/a |
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n/a |
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n/a |
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3.59% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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n/a |
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$0.00 |
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$325.00 |
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$50,000 |
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$2,000,000 |
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none |
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90.00% |
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Investor |
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Interest Only |
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Weekly, Fortnightly, Monthly |
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yes - free |
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no |
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yes - free |
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none |
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no |
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Optional - $10 per month |
|
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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 service has been good. Since the loan is backed by Bendigo and Adelaide bank, the online banking uses the same system as Adelaide Bank which works well, and on par with other banks like NAB/Commsec online banking which I also use. The rates are pretty unbeatable and the reason I re-financed to Tic Toc. No regrets. The extra $10 for the offset account is a no brainer for me. So far I've found the company to be pretty reasonable, honest and transparent. Unlike my previous lender, I haven't had any mysterious rate increases due to "increased running costs".
Read full reviewCustomer service has been good. Since the loan is backed by Bendigo and Adelaide bank, the online banking uses the same system as Adelaide Bank which works well, and on par with other banks like NAB/Commsec online banking which I also use. The rates are pretty unbeatable and the reason I re-financed to Tic Toc. No regrets. The extra $10 for the offset account is a no brainer for me. So far I've found the company to be pretty reasonable, honest and transparent. Unlike my previous lender, I haven't had any mysterious rate increases due to "increased running costs".
The services, processes and the rate is pretty competitive. However, as an online lender, they don't support government support funds such as first home buyers benefits sort of things. You have to deal with it by yourself and they did not seem very knowledgeable about that, especially local state government supports. If you are good at that, tic toc is good.
Read full reviewThe services, processes and the rate is pretty competitive. However, as an online lender, they don't support government support funds such as first home buyers benefits sort of things. You have to deal with it by yourself and they did not seem very knowledgeable about that, especially local state government supports. If you are good at that, tic toc is good.
Tic:Toc offers unbeatable rates with great service.
Read full reviewTic:Toc offers unbeatable rates with great service.
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$0.00
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.
