We've created the world's only instant home loan. 

Made right here at home in Australia. To make time for you. So you have more time to do the things most important to you.

We use technology to give our customers an instant answer to one of the biggest financial decisions in their lives. We’ll have your home loan approved in as little as 22 minutes, not 22 days. It’s about time. 

We’re plain speaking, no nonsense, no asterisks and no disclaimers. And because our humans have orchestrated technology to automate what was once arduous, we save you time and money.

Where does the money we lend you come from? The good folk at Bendigo and Adelaide Bank – Australia’s most customer connected bank.

It's about time.

History, just in time. Made right at home, in Australia.

From small beginnings

From small beginnings.

In 2015 we became fixated on the notion that Australians spend hours, days, even weeks, of their lives confused, and consumed, by such a significant financial decision – a home loan.
What if

What if.

"What if there was a way to bring things back up to speed? Could Aussie know-how and tech allow home loan approval in minutes, not weeks?" we said. “It’s about time.” And so we got to work.
Two years later

Two years later.

After assembling fifty of the most creative fintech minds from the land down under, we launched Tic:Toc. A home loan in 22 minutes, not 22 days. Because it’s about your home, not the loan.
Get to know the Tockers.

Keep exploring.

Go down the rabbit hole and discover all the wonderful things we find interesting at our blog.