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Tic:Toc Home Loans

Tic:Toc Home Loans

4.1 from 335 reviews · View Statistics

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David K
David K
  • 2 reviews

Excellent communication, transparency, politeness and speed.

published

Our contact Vik was excellent throughout!
We were kept informed about the process clearly and quickly. The contact person stayed consistently the sa.e helpful person throughout. All we had to do was provide the requested information when requested.

Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
Professional Partners

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Great service, quick and easy

published

We were after a quick and easy online loan application for an investment property and Tic Toc delivered with great service. Our credit assessor Anthony O was a pleasure to deal with, very helpful and went the extra mile to resolve a few issues that cropped up along the way. Very happy with the outcome and recommend them highly.

Incentivised ReviewNo
1 comment
Tic:Toc
Jemima B.Tic:Toc
Other Home Loans

 
 

0.0
(1,234)

Excellent service

published

This is my 2nd home loan to tictoc and as always the team had been very helpful and patient although out the process. A big shoutout to Stephen Cooper who assessed our application in a very timely manner. He was very easy to talk to and had no problems at all in dealing with him. I would highly recommend Stephen and the team for their efficient work ethics.

Customer Service
Application Process
1 comment
Tic:Toc
Jemima B.Tic:Toc
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Sam
SamGreater Melbourne (Outer), VIC
  • 2 reviews
  • 1 like

When the robots take a nap, the humans really step up.

published

Tic:Toc obviously have stricter lending criteria than others, and when your loan does not meet the ideal situation, things can get complicated. Our Credit Assessor (Kristina C.) was a real gem. We really appreciate her professionalism and guidance through the system. The real estate agent actually remarked that in 20 years, he had never seen a loan approved so fast!

Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
Ozh
Ozh
  • 2 reviews

We are very happy

published

It was a very nice experience . Every thing was very quick and straightforward. Especial thanks to Kristina,for her great help. We are super happy with the service received from her.

Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
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Wayne
WayneGreater Melbourne (Inner), VIC

Grateful for the service in an unpleasant process of home buying

published
Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
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lynnzc
lynnzcGreater Melbourne (Inner), VIC

very slow, all via email, issues could be addressed with a quick phone call, no human interaction, hidden behind

published

very slow process, like others said, the robot lending is just the smoke screen, there are people behind who is processing it, all via email, issues could be addressed with a quick phone call, but they choose not to, no human interaction. I got quick approval from big banks than tic toc. I pulled the plug and withdraw my application with them. They didn't even bother to ask why and said no problem they will withdraw the app. It seems they don't really want you as a customer.

Transparency
Customer Service
2 comments
lynnzc
lynnzc
Tic:Toc
Jemima B.Tic:Toc
Janet
JanetGreater Melbourne (Metropolitan), VIC
  • 3 reviews
  • 2 likes
  • Verified

Unprofessional response

published
Transparency
Customer Service
5 comments
Janet
Janet
Tic:Toc
Jemima B.Tic:Toc
Janet
Janet
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0.0
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Great Service

published

I'm very happy with Tic:Toc home loan service. Application process is very easy. Got my home loan approved in 2 days. Thank you Stephen Cooper for your fast and professional service.

Incentivised ReviewNo
1 comment
Tic:Toc
Jemima B.Tic:Toc
Home Loans

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Bohdan
BohdanSydney, NSW

Amazing Communication

published

Fantastic support, Helpful at every step, answered any questions we had and had one of the best interest rates on the market at the time.
There where no hidden costs, everything was explained clearly and the final paper to sign were clear and easy to understand.

Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc

Excellent Service

published

Great service. Our Credit Assessor Stephen Cooper was very helpful and professional. He took the time to explain the intricacies of the home loan and process. Would highly recommend Tic:Toc

Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
Steve
SteveSouth East Queensland, QLD

Professional Team

published

Had a great professional experience dealing with Tic Toc. Our home loan was fully approved in a short space of time thanks to in particular Anthony. Very happy to recommend for anyone looking for a home loan at great rates.

Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
Professional Partners

Looking for Home Loans?

Read the reviews for Professional Partners

175 reviews
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Luke Lam
Luke Lam
  • 3 reviews
  • 3 likes

Discrimatory Home Loan without even try to reason

published

Tried to apply for a loan with TIC TOC. Application got rejected based on 1 false debt added by Panthera Finance back in 2017 from Virgin Mobile. Mayyer went on onbudsment but on hold until today as Virgin Mobile had went under, no reply and left me dealing with this mess today.

Very disappointed with TIC TOC response for not even consider especially that is the only black mark(nevertheless a false debt) on my credit history, having a clean credit record of paying an average of 300k bills a year.

As much as you are doing the right thing this hone loan service just out right reject you.

Was told to ammend a record will take 2 months and I will better off to go somewhere else.

If they dont want business that's all good.

Transparency
Customer Service
2 comments
Tic:Toc
Jemima B.Tic:Toc
Luke Lam
Luke Lam

Quick and reliable

published

Very efficient, went through the application quickly without losing time. Good customer service and easy to reach out. The Website is easy to use. Transparent staff. Also best variable interest rates

Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
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0.0
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Manpreet S.
Manpreet S.Greater Melbourne (Outer), VIC

Refinance approval 5 star

published
Transparency
Customer Service
1 comment
Tic:Toc
Jemima B.Tic:Toc
Home Loans

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Page 1 of 23

Questions & Answers

Ilze d.
Ilze d.asked

I know that we can make extra payments of up to $20 000 p/a when we are on a fixed rate. Can we still make extra payments after the fixed rate period is over?

1 answer
Tic:Toc
Bailey U.Tic:Toc

Hi Ilze d., thanks for your question. Once your fixed term ends, you'll automatically roll onto a variable home loan. We allow unlimited additional repayments on our variable home loans, so you'll be able to make as many as you'd like after your fixed period is over.

About 3 months before your fixed period ends, we'll contact you to let you know your term is ending and that you'll roll to a variable rate. We'll also give you the option to start another fixed rate period, if you'd like. The $20,000p/a limit will still apply in this case.

If you're looking for ways to save on interest, we also offer offset accounts with all of our home loans (even our fixed rates!) for $10/month. These come with a VISA debit card, and whatever funds you choose to deposit there can be used and accessed whenever you need to.

Please let me know if you have any other questions. ~ Bailey

Abhi
Abhi asked

Have anyone got TicToc loan approved in less than 2 weeks? Customer support is abysmal at best so asking here.

I have applied online and now I am stuck as they will not assign a credit accessor to my application. Customer support will not tell how long what is wait time. Won’t escalate unless you are rich guy - yes sign the contract and then we will escalate.

1 answer
Tic:Toc
Bailey U.Tic:Toc

Hi Abhi, thanks for taking the time to provide your feedback. We always try to get back to everyone in a timely manner when a manual assessment is required, and we've recently been able to drastically reduce our turnaround times. In saying that, we'd like to apologise for the delays you've experienced so far.

I can see that you submitted your home loan application 22/04, and that our credit assessor Stuart has been able to pick it up for assessment on 29/04 and is now awaiting some additional documentation from your end before proceeding.

Thanks for your patience during this process — things should speed up dramatically now that Stuart is on board to help. Should you have any questions, please get in contact with him, or call our team on 1300 842 405. ~ Bailey

Tony
Tonyasked

Hi, does your lending criteria include post code 2527 Albion Park Rail ? Thanks

1 answer
Tic:Toc
Bailey U.Tic:Toc

Hi Tony, thanks for your question. The great news is that yes, we do lend to Albion Park Rail! You can double-check if you fit the rest of our eligibility criteria here before applying: https://tictoc.com.au/faqs/category/considering-a-home-loan/am-i-eligible

And if you have any questions, please don't hesitate to get in touch with our locally-based team, 7 days a week, on 1300 842 405 or through our live chat. Or just let me know :) ~ Bailey

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