GET YOUR INSTANT FIX.
LIVE-IN HOMES (P&I).
3.64
% P.A.
2 Year Fixed rate.
3.65
% P.A.
Comparison rate.
Why it's time to fix your rate.
Speed read the truth about interest rates.
1.5x faster than the average human.

Lock in Tic:Toc's leading rates.
Because variables rates can change.

Feel secure with set repayments.
Fixed rates can fix your budget.

Add an offset account for $10.
How offset accounts give you flexibility.

Get ready for your instant home loan.

WHAT I NEED TO APPLY

Good-to-know information about these rates.

No tricks or nasty surprises.

They’re current as of 27 August 2018 available to all home loans approved on or after this date, and they can change.

We relentlessly review our rates to make sure we stay competitive and offer more Australians a better deal on their home loan.

How do we work out our comparison rate?

We work out our comparison rates based on a $150,000 loan over 25 years.

For fixed loans, the loan switches to a variable principal and interest rate at the end of the fixed term.

For our live-in 1 & 2 year fixed loans, the loan switches to our variable principal and interest rate of 3.64% p.a.. For all our other fixed loans and our variable interest only loans, the loan switches to our roll-to variable principal and interest rate of 3.80% p.a. (live-in) and 3.91% p.a. (investment) at the end of the fixed term or interest only period. If the interest only period is not specified, the comparison rate is calculated on a one year period.

The comparison rates also factor in our fees associated with applying for the loan (none), our fees associated with having the loan (none) and our fees associated with leaving the loan (a $325 discharge fee).

What about for a different loan?

If the loan has a different term or additional features, such as an offset account, the comparison rate would be different because we charge $10 a month for this feature. Or to say that in the way we’re legally obligated to (the aggressive way): WARNING: This comparison rate is 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.