Compare my home loan.
It's saving time with Tic:Toc.
Yippee! you can save
Take charge of your home loan.
When it comes to your home loan, it’s easy to feel out of control. We don’t like that, because getting a home loan should be simple. Our tools and resources will help you be prepared up front.
Home loan guide.
Be an expert without the textbooks.
A 22-minute application.
Learn what happens when you hit apply.
The right loan for me.
Find out more about our home loan options.
How this calculator works.
This calculator is a guide only, and gives you an estimate of how much interest you could save by refinancing with Tic:Toc, based on the Tic:Toc loan type selected for comparison, the loan amount you entered and an assumed loan term of 30 years. You’ll get a real assessment when you begin an application, and enter the specifics of the property, your loan type (including whether or not you select an offset account), personal details and your financials.
We estimate how much you could save in principal and interest repayments periodically if you were to refinance from your current rate, to the rate for the Tic:Toc home loan you select, over a 30 year loan term. The interest savings amount will be higher initially and then reduce as your principal loan amount reduces.
We assume that the monthly savings made from refinancing with Tic:Toc (as explained above) are paid back into the loan at the end of each repayment period, and that both rates (your existing home loan rate and the new Tic:Toc home loan rate, even if it’s fixed) will not change over the 30 year loan term.
We estimate how much sooner your new Tic:Toc loan could be paid off compared to your existing loan (assuming you’re making principal and interest repayments), based on the loan amount and rate you provided, and assuming you pay your monthly saving (as explained above) back into your loan at the end of each repayment period, and that you would have continued to make only the required repayments had you not refinanced with Tic:Toc. We assume both rates (your existing home loan rate and the new Tic:Toc home loan rate, even if it’s fixed) will not change over the 30 year loan term.