What our customers are saying.



Testimonial Image 1
"Tic:Toc just appealed, the interest rate was right, and in the end, it was pretty much effortless."
Marc, SA
Testimonial Image 2
"Having a simple process that we could just do at our own pace in our own time was really good.”
Gavin, NSW
Testimonial Image 3
“I was out to dinner… and wanted to see if I could apply for a home loan and get it before our meals came out. And that’s what we did.”
Jon, SA
Award-winning home loans.
How it works.
The reviews are in.
Legal things about our rates. No tricks.

Our rates are current as of 30 November 2018; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.

These rates are:

Live-in 1 & 2 year fixed P&I loans: 3.57% p.a.
Live-in 3, 4 & 5 year fixed P&I loans, and Live-in fixed and variable IO loans: 3.80% p.a.
Investment fixed and variable IO loans: 3.91% p.a.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

PUT US TO THE TEST