What type of home loan? All in an instant.

Principal & interest loans.

3.64% p.a.

Variable rate.

3.65% p.a.

Comparison rate.
No tricks >

Interest only loans.

5.22% p.a.

Variable rate.

3.94% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Live-in variable features.

The spicy little extras about our home loans.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
You'll even get a fancy EFTPOS card.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free unlimited additional repayments.

Principal & interest loans.

3.59% p.a.

1 year fixed rate.

3.64% p.a.

Comparison rate.
No tricks >

Interest only loans.

4.82% p.a.

3 year fixed rate.

4.07% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Live-in fixed loan features.

The spicy little extras you may not have known about us.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
Yep, even for fixed loans.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free additional repayments up to $20,000.

Principal & interest loans.

3.91% p.a.

Variable rate.

3.92% p.a.

Comparison rate.
No tricks >

Interest only loans.

4.31% p.a.

Variable rate.

3.95% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Investment variable features.

The spicy little extras you may not have known about us.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
You'll even get a fancy EFTPOS card.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free unlimited additional repayments.

Principal & interest loans.

3.84% p.a.

1 year fixed rate.

3.91% p.a.

Comparison rate.
No tricks >

Interest only loans.

4.24% p.a.

3 year fixed rate.

4.00% p.a.

Comparison rate.
No tricks >

TELL ME MORE

Investment fixed loan features.

The spicy little extras you may not have known about us.

100% online assessment and approval.
Because we don't do estimates.
Add on an offset account for $10 per month.
Yep, even for fixed loans.
No upfront or ongoing fees.
Including no application, assessment or valuation fees.
Free unlimited redraw.
And free additional repayments up to $20,000.
How Tic:Toc works for you 24 x 7.
The time of your life.

How long should it take to get your home loan approved? Not long, of course. Your time is everything.

  Other lenders, typically Tic:Toc
Booking an “appointment”  with your broker or bank. Yes, you have to put on pants.   1 to 10 days Yuck. Just jump online (no pants required)
Application 3 to 7 hours 22 minutes
Printing, scanning and returning documents 2 hours to 7 days, depending on patience and availability of work printer Not necessary (who has a printer, anyway). Our robot does the work.
Assessment 3 to 22 days Instant (a couple of minutes)
Delivery of your settlement documents 2 to 14 days 30 minutes to 2 days (depending on which State you live in)
Legal things about our rates.

No tricks.

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.

But no need to speculate. Test out what your rate will be based on your own situation and the loan you want.

I'm ready, Eddie.
START MY APPLICATION