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Tic:Toc Home Loans

Tic:Toc Home Loans

4.2 from 122 reviews

Approval process

The approval process with Tic-Toc was straight forward and pain free. Our assessor (Ryan) was a pleasure to deal with and would recommend other people looking for a low rate and great service consider Tic-Toc.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateSeptember 2019
Loan used for:Refinancing

Simple and fast application process, great rates !

I have refinanced my home loan, support I have received from assessor (Ryan) has been exceptional. He responded on my emails promptly, the whole application process was efficient and my loan settled while I’ve been overseas.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used for:Refinancing
1 comment
Hi Bob, thanks for your feedback - we're glad Ryan was able to assist in refinancing your home loan! We'll pass your kind words along to him and the team. Congrats on the new rate, and welcome to Tic:Toc! ~ Bailey

Don’t waste your time. Go elsewhere

Absolutely clueless, my investment property rental return ALONE covers my current repayments by over 50%; on top of this my full time income covers it almost 5 times over and yet they deny my application to refinance due to “not meeting servicing requirements”

They wasted 2 weeks of my time, I highly recommend you don’t waste yours.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan used for:Investment Property
1 comment
Hi Boris, thanks for taking the time to let us know about your experience, and for trying us. We know a Tic:Toc home loan isn't for everyone, and sometimes we need to decline applications due to our responsible lending obligations. As part of our assessment, we take into account all income, expenses and liabilities - no matter how big or small. This includes open lines of credit, even if they're not intended to be used. We are also required to assess applications against a higher interest rate than the advertised rate (known as a serviceability buffer) to make sure our customers can still afford repayments in the event of rate rises. We explain serviceability with more detail in this article: https://www.tictochomeloans.com/home-loan-guide/serviceability-explained/ We apologise for the wait to assess your application - we are currently experiencing a significant volume of applicants and are working tirelessly to process them all. If you would like further clarification about your application, please get in touch on 1300 842 405. ~ Bailey

Very helpful.

We refinanced three properties through Tic Toc and Ryan was fantastic. Nothing was too hard for him. He went the extra mile to get our refinance approved and was an absolute pleasure and professional to deal with. Fantastic rates and excellent customer service. We are very happy we chose Tic Toc.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used for:Refinancing
1 comment
Hi Kate, thanks so much for taking the time to provide your feedback. We're really glad to hear about your successful refinances with Ryan! He certainly is an asset to our team - we'll pass along your kinds words to him. Thanks for choosing us, and please feel free to get in touch should you need anything. Welcome to Tic:Toc! ~ Bailey

STAY AWAY

It’s good to have one person look after your case only if that person is contactable. I’ve attempted to call Tictoc four times after my refinance application was lodged three and half weeks ago. They keep promising to call me back but nothing happened. I would not waste my time & would prefer to deal with the lender with better & more professional services.

Transparency
Customer Service
Application Process
Timeliness
Loan used for:Refinancing
1 comment
Hi Catherine, thanks for taking the time to tell us about your experience. We're really sorry to hear about your trouble getting in contact with us. I've been able to check your application, and it seems we spoke over the phone on 04/09 and then also tried to follow up on 13/09 where we left a detailed message. We sent a detailed email shortly after. We're not sure what has gone wrong, but we'd like to sort it out for you. Please call us on 1300 842 405, and one of our Home Loan Experts will be able to assist. We're looking forward to hearing from you, and sorry again for any miscommunication. ~ Bailey

Thumbs up for Tic Toc

Refinanced my loan with these guys at a much improved rate Vs. my current bank. Ryan made it so easy to get the paper work needed sorted and was so very helpful. A+++

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateSeptember 2019
Loan used for:Refinancing
1 comment
Hi Marc, thanks so much for your great feedback! We're thrilled to hear Ryan was able to help you refinance to a much better rate - we'll pass the kind words onto him and the team. Welcome to Tic:Toc! ~ Bailey

Frustrating home loan process

I started the applications about 6 weeks ago. Back and forth, I submitted all the documents requested and they still refuse to process the applications. They requested formal statements. I submitted to them. They said it's not up to date be cause my bank only release it every 6 months. So I supplied a supplement online printing pdf. They it is unacceptable. What? They want to know fund for the deposit, I showed them the fund in the account and they said what about the discrepancy in the previous property settlement? It doesn't matter. My conveyancer failed to display what I owe the bank and what went into my account. I already explained that. But all you want to know where is the deposit. It is in my account balance? What is the problem here? And the issues went on and on. I give my on them so I withdrew my application this morning.

Application Process
Timeliness
Loan used for:Investment Property
1 comment
Hi Not Happy, thanks for taking the time to provide your feedback. We're sorry to hear about your experience with us. We're not quite sure what has happened, and we'd like to sort this out for you. We've been able to find your application, and I've arranged for our Operations Manager Steve to assist and give you a call. ~ Bailey

Loan application process is very involved but the rates are worth it

Extensive checks to get the loan and time to wait for response was longer than sure indicates. Friendly staff, good to have one person managing our mortgage approval. Great rates.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan Start DateSeptember 2019
Loan used for:First Home
1 comment
Hi H.Mendo, thanks for sharing your feedback. Sincere apologies for the delayed response - we are currently experiencing a high volume of applicants, and it's taking us longer than usual to process applications. Sorry you had to wait so long. We're glad to hear you're enjoying the great rate, and congratulations on the new home! Welcome to Tic:Toc. ~ Bailey

What a jjoke

I had to ring them after waiting 2 weeks. I made $100,000 last year my home is valued at $550,000 tried to borrow $350,000 with a good credit history they said no I do not earn enough what a joke give them a miss

Loan used for:Refinancing
1 comment
Hi A Joke, thanks for your feedback. Apologies for our delay in getting back to you - we're currently receiving extremely high volumes of applications, so it's taking us longer than usual to process applications when customers need a human assessor to jump in to help. We're disappointed we aren't currently able to live our promise of high-speed approvals, and we're working on it. We are really sorry you had to wait so long. We're also sorry to hear we couldn't help you with a home loan at this point in time. Unfortunately, we're not for everyone, and we know there are many different factors we have to consider when making our decision. If you would like further clarity around your situation and our decision, please get in touch on 1300 842 405. ~ Bailey

very very appriciate for Mr.Ryan Darling

How was your customer service experience with this company?
> Excellent
Did you experience any unexpected extra costs or other issues while on this loan?
> No
How satisfied are you with the rate you received for this loan?
> very Good

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used for:Second Home
1 comment
Thanks for taking the time to review us Satoshi! We're glad to see you had a great experience with us and that you were able to get an amazing rate! Please let us know if we can help at any stage. ~ Bailey

Great rates and easy application

The rates offered are great, and the loan application was quick and easy
Response back via email was quick and we just had a few minor details to sort out with additional documentation

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used for:Refinancing
1 comment
Hi Dan, thanks for taking the time to give your feedback. We're glad to hear about your quick refinance and great new rate! Please reach out should you need anything - we're available 7 days a week via phone and webchat. Welcome to Tic:Toc! ~ Bailey

Poor level of communication

Very poor level of communication.we started a refinancing process with them, which we will likely withhold soon. All communication since is like an automated email. No agent has called since to check the process is going smoothly. Fees listed on the paperwork seem more than what was originally advertised on their initial online chat.

1 comment
Hi Mariam, sorry to hear about your experience with us and apologies for the delay. We are currently experiencing a high volume of applications, so it's taking us a little longer to get back to everyone. Please PM me with your application #, and I would be happy to follow up on your application with our Customer Hub team. As for refinancing fees, we don't charge any application, valuation, monthly or ongoing fees, unless you choose an offset account which is $10 per month. There are still some government charges (like Registration, Title Search, and Priority Notice fees) associated with the loan, and our digital conveyancer charges ~$60. To see all the costs involved with refinancing, head here: https://www.tictochomeloans.com/home-loan-guide/what-it-costs-to-refinance-your-home-loan/ Thanks for your feedback, and we hope to hear from you soon. ~ Bailey

Tic Toc has been fantastic !

Tic Toc has been fantastic !

Aaron and Ryan Darling turned around my application quickly and were really easy to work with explaining clearly what was needed and guiding me through the process.

Great work guys ! I have and would continue to recommend Tic Toc to friends and family.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
1 comment
Hi Daniel, thanks for sharing your great experience with Aaron and Ryan! We're glad they were able to help you get your new home loan with speed and ease. Thanks for the recommendation, and please let us know if you have any questions at any stage. ~ Bailey

Fast, efficient, helpful and best rates

Completed the online application, but for some reason needed a human to look over it before I could get an answer. Had a call the following day and email requesting a further few particulars and questions. They arranged a valuation a day or so later and had an answer a few hours after the valuation. Couldn't be happier.
Very streamlined and they break everything down for you and the process, what to do, explaining the processes while adding a bit of humour in the instructions at the same time! very refreshing. Any question I've has the online chat has helped and the customer service is first rate. Hopefully we settle in a few weeks, but I've had a few home loans over the past 20 years and Tictok are by far the easiest and streamlined to deal with.
Very happy customer and with a 2.99% interest rate, couldn't be happier. Can't fault them and best decision we've made.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used for:Refinancing
1 comment
Hi Darren - wow, we're pretty happy to hear how much you've enjoyed refinancing with us! It's great to hear our simple process has helped you get a better (and lower!) rate. Please reach out should you need anything throughout your loan, and welcome to Tic:Toc. ~ Bailey

Great rates and speedy service.

I have recently had a home loan approved by TicToc. In applying for the loan, TicToc were very responsive to my queries and helpful and it was a simple and straightforward process. For others considering TicToc, you can choose to upload your loan application documents the ‘slow’ way to avoid screen-scraping from your existing bank account. I researched several lenders prior to choosing TicToc and TicToc had the most competitive rates by far - I have two years fixed at 2.99%. The home loan product also enables extra repayments, withdrawals, and weekly payments. So far so good, here’s to the next 30 years!

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateAugust 2019
Loan used for:First Home
1 comment
Hi CAB, thanks for taking the time to review us. We're glad you had a great experience with us and were able to secure one of our competitive rates! Congratulations on the home, and welcome to Tic:Toc. ~ Bailey

Easy application process, great rate!

We've just settled on a new property and had a very good experience with Tictoc. They were very helpful all through the application process, responding quickly to any concerns. Also the rate was much better than the banks were offering. Highly recommend.

Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used for:Second Home
1 comment
Hi Simon, thanks for taking the time to provide your feedback. Glad to hear you've had a great experience with us, and that you've been able to get a fresh, market-leading rate! Please let us know if we can help out at any time, and welcome to Tic:Toc. ~ Bailey

Very Happy.

I rang around a number of non-bank lenders, TicToc was the pick for us the reason being there low rate but also that they were courteous, responsive and helpful at all times. Highly recommended. Special mention for Ryan who was amazing throughout and extremely helpful and patient with us.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used for:Refinancing
1 comment
Thanks for taking the time to leave your review Josh. It's great to hear Ryan could help you refinance to a better rate, we'll pass on your feedback to him and the whole Customer Hub team! Please let us know if we can help with anything, and welcome to Tic:Toc. ~ Bailey

Great people who do what they say they will and make it easy to organise a budget homeloan..

I rang around a number of non-bank lenders, TicToc were pick of the bunch: courteous, responsive and helpful at all times. Highly recommended. Special mention of Tyler who was amazing throughout.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used for:Refinancing
1 comment
Hi Anon, thanks for the love! We're glad to hear we could make your refinancing experience a seamless one - and thank you for Tyler's shoutout, we'll pass on the kind words to him and the team. Welcome to Tic:Toc! ~ Bailey

Amazing support and advice

We called Ryan on a Saturday, we had an auction that day and he went above and beyond to get the approval across the line. He has been supportive and answered all my questions - and there were a few and each time he followed up with an email and a call. His level of customer service is exactly what you need when you are in throws of battling it out at auction! Any stress I had about the loan and the process he just made it extremly easy to understand. I would certainly recommend Ryan!

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used for:Second Home
1 comment
Hi Victoria, thanks for your glowing recommendation of Ryan and his work - we're really glad he was able to organise your approval in time for the auction! We'll pass along your kind words to him and the team. Congratulations on the new home, and should you need anything please reach out. Welcome to Tic:Toc! ~ Bailey

Satisfied customer

Very happy with the process. There were small hiccups as somehow my assessor could not locate the linked account and that delayed a process a bit. Overall I am happy with the services provided highly recommended!

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used for:Refinancing
1 comment
Hi Balaram, thanks for taking the time to provide your feedback and recommendation! We're glad to hear our Credit Assessor was able to sort out the issue with your linked account and hope everything else went as planned. Welcome to Tic:Toc! ~ Bailey

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Questions & Answers

Hi everyone, just want to find out does this company increase their rate few times after you have a loan with them. As i heard from other lender that what will happen. I am a bit worry, so please share your experience if you have one thank you so much.
1 answer
Hi Jenifer, great question. We'd love to hear our customers experiences, but thought we'd also jump in to let you know how our rates work. We've graphed our full history of rate moves here: https://bit.ly/2lMke53 Our customers will have a different rate depending on when they've signed up, but their rate won’t increase just for the sake of it as we don’t offer introductory or honeymoon rates. We’ve only had one rate increase ever in August 2018 (due to increased funding costs) and two rate decreases – one in June and one in July 2019, due to drops in the RBA cash rate. These drops were for both new and existing customers. Hope this helps! ~ Bailey

I have an investment property I would like to refinance. What is the best rate you can offer me. I currently owe $338.000 on it.
1 answer
Hi Angelina, thanks for your question. As of writing, our current Investment Variable P&I rate is 3.35% p.a. with a 3.36% comparison rate. And, we're also offering: Investment 1-year Fixed at 3.09% p.a. (3.34% p.a. comp.); Investment 2-year Fixed at 3.09% p.a. (3.31% p.a. comp.); and, Investment 3-year Fixed at 3.09% p.a. (3.29% p.a. comp.). To see all of our rates, head here: https://www.tictochomeloans.com/rates-and-fees/. As for your specific circumstances, it's best to speak to one of our Home Loan Experts - feel free to get in touch, 7 days, on 1300 842 405 or through our webchat. Hope this helps! ~ Bailey

Hi do you offer home loans for a disability pension. I am currently with the ANZ Bank an I would like to refinance. Thank you Maria
2 answers
Maria it would be worth ringing them on the phone to talk to someone, they’ll be able to provide clearer answers than anyone on here. All the best with it.Hi Maria, in some joint applicant scenarios we can consider disability pension income as part of your application. As Josh recommended, it will be best to contact us direct on our website live chat, or on 1300 842 405 so a Home Loan Expert can discuss your specific situation with you. Hope this helps! ~ Bailey

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