What type of home loan? All in an instant.

Principal & interest loans.

3.47% p.a.

Variable rate.

3.48% 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.

3.39% p.a.

1 year fixed rate.

3.56% 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.

3.99% p.a.

Variable rate.

3.92% 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.

3.99% p.a.

3 year fixed rate.

3.94% 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.
Our application process.

A full home loan in 22 minutes.

1
Your home.
Enter in the property address.
1. Your home.
We run a digital property valuation (and we absorb that cost), so you know how much you can borrow for that property.
2
Your loan.
Select your tailored home loan.
2. Your loan.
We ask some questions and, based on your goals, offer a couple of home loan options we think will suit you. Then you get to select the home loan you like best.
3
Your details.
Tell us who you are.
3. Your details.
We ask for some details to get better acquainted, which are verified in real-time to complete your ID check.
4
Your financials.
Supply your financial information.
4. Your financials.
We ask some questions about your income and expenses. Here's the magic: we digitally validate your financials, instantly. Or you can upload your docs the old way for our humans to check.
5
Decision time.
Get an instant answer.
5. Decision time.
Our robot will give you a decision in just a few minutes. Or if you uploaded documents, we'll check over your application within a business day.
6
22 minutes over.
If approved, your loan docs are on the way!
22 minutes over.
If approved, your loan docs are on the way!
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.

Our rates are current as of 8 May 2019; 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.

These rates are:

Live-in 1 & 2 year fixed loans: 3.57% p.a.

Live-in 3, 4 & 5 year fixed loans: 3.80% p.a.

Investment fixed loans: 3.91% p.a.

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.

I'm ready, Eddie.
START MY APPLICATION