Award-winning home loans, delivered simply

Whether you're a first-time buyer or refinancing an investment property, we've got the loan for you.

  • Finder Award Investor Home Loan

Let's find your home loan

See all our rates, side by side

Our fees. What fees?

We use tech to automate the traditional home loan process, so we can pass on the savings to you.

Industry standardTic:Toc
Application feeUp to $850$0
Monthly feeUp to $50$0
Annual feeUp to $500$0
Offset account fee$10 to $30 or built into the interest rate$10 / month (optional)
Online redraw feeUp to $25 per redraw$0
Valuation fee Up to $800$0
Settlement feeUp to $200$0
Solicitor/Conveyancer costsUp to $200Approx. $60 - $200.

Exit / discharge feeUp to $1000$325
Government refinance costs

These vary by state, but include title registration, discharge of mortgage, and title search fees.

Around $260 - $440
Government buying costs

These vary by state, but include stamp duty, title and mortgage registration, and title search fees.

Dependent on your property value and which state you're in, but can be thousands.

No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers.

Eligibility checklist

Let's make sure we're a good fit. You'll need:

  • To be buying or refinancing an established property (not off the plan or construction)
  • To be buying a home in a capital city or major regional centre
  • To be borrowing at least $50k but no more than $3m
    • For loans under $2m, at least a 10% deposit or equity, plus savings to cover fees and charges such as stamp duty. If you have less than a 20% deposit, you'll need to pay Lenders' Mortgage Insurance (LMI)
    • For loans more than $2m, at least a 25% deposit or equity, plus savings to cover fees and charges such as stamp duty. Funds in this instance can't be used for an equity release or 'cash out' refinance.
  • To be currently employed, either through PAYG or self-employment
  • At least one form of government ID, such as a passport, driver’s licence or Medicare card
  • To be an Australian citizen or permanent resident, and live in Australia

SELF-EMPLOYED HOME LOANS

Self-employed? You have home loan options

We celebrate all business owners who take on the challenge of working for themselves. We were a start-up once, after all.

If you have your ducks (and docs) in a row, Tic:Toc home loans are for you. More flexibility, at the best price.

Suitable for customers with:

  • good credit history
  • ability to demonstrate income via tax returns or financial statements
  • a property in a capital city or major regional centre

Financial validation requirements

2 years’ worth of up-to-date tax returns or business financial statements.

Ready to start saving?

Make the move to a Tic:Toc home loan.

Legal things about our rates, no tricks

No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. We’re transparent with our rate history, you can read about it here.

Our current rates

Our rates are current as of 8 July 2021; 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.

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.